Credit card -- Problem with a purchase shown on your statement -- Complaint #17985720
Complaint Overview
Complaint ID: 17985720
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: New York
ZIP Code: 10025
Date Received: 2025-11-29T12:00:00-05:00
Date Sent to Company: 2025-11-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
* * To the Consumer Financial Protection Bureau, * * I am filing a complaint against Capital One for improperly denying my credit-card dispute regarding a defective and unsafe service charge from * * XXXX * * ( Transaction date : XX/XX/year>, Amount : {$98.00} ). On * * XX/XX/year> * *, the bank requested specific supporting information. I promptly provided all of the materials requestedincluding receipts, correspondence with the merchant, screenshots, and a full written explanationwithin their stated deadline. However, in their final letter dated * * XX/XX/year> * *, the bank stated that my response * * lacks all of the previously requested information needed to validate your dispute * *. This statement is * * factually incorrect * * and * * misrepresents the record * *, as I submitted every item of information they had requested. The only difference was * * format * * I did not use their template, but my submission contained all required data in full. The banks denial appears to be procedural rather than substantive, effectively ignoring the documentation I supplied. I request that the CFPB review this case to ensure that : 1. The bank properly reviewed the materials I submitted ; 2. The dispute investigation was conducted in compliance with Regulation Z ( 12 CFR 1026.13 ) ; and 3. The bank provides a fair reconsideration of my dispute based on the evidence already on file. Supporting documents include both the banks letters ( XX/XX/XXXX and XX/XX/year> ) and my full submission package. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #17985720 about?
Complaint #17985720 was filed against Capital One Financial Corporation regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2025-11-29T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Capital One Financial Corporation?
Yes, visit the Capital One Financial Corporation company profile at readthecomplaint.com/company/capital-one-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.