Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #18639150
Complaint Overview
Complaint ID: 18639150
Company: Capital One Financial Corporation
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: Michigan
ZIP Code: 492XX
Date Received: 2026-01-11T12:00:00-05:00
Date Sent to Company: 2026-01-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/year>, I paid {$25.00} for three meals at the XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I received only one full meal, several XXXX XXXX items, and three drinks, clearly not matching what I paid for when each drink should have had a meal. When I attempted to resolve this at the time of purchase : XXXX employees took my receipt while I was explaining what items were missing Refused to provide the missing food or issue a refund Refused to allow me to speak with a manager Refused to provide staff names Because of this, I could not provide a receipt when disputing the transaction with my bank. Despite this, I submitted a dispute to XXXX XXXX, which was denied, citing the lack of a receipt. I then contacted XXXX Customer Care, who sent my complaint to the restaurant for resolution. The restaurant manager offered replacement food, which I am not interested in. They have since ignored further communications regarding a refund. Please note : the person from the XXXX location in question is emailing from an email for a XXXX XXXX, while signing off as XXXX. I also did not respond for over three days to the XXXX Customer Care communication, as I was giving the location time to respond. Now, this matter is being escalated here. The only proper remedy is a full refund of the {$25.00} transaction. This is justified based on : Incomplete delivery of purchased goods Employee misconduct and mishandling of the situation Refusal to resolve the issue at the store level Failure to respond to Customer Care communications I request that Capital One issue a full refund of the {$25.00} to the original method of payment. I have attached my bank statement showing the charge, as well as copies of emails to XXXX regarding the incomplete order and Customer Care interactions.
Frequently Asked Questions
What is Complaint #18639150 about?
Complaint #18639150 was filed against Capital One Financial Corporation regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2026-01-11T12:00:00-05:00.
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 (Checking or savings account) 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.