Credit card -- Problem with a purchase shown on your statement -- Complaint #19161479
Capital One Accused of Failing to Resolve Credit Card Purchase Dispute
Complaint Overview
Complaint ID: 19161479
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: Arizona
ZIP Code: 85323
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The credit card company's failure to address a disputed purchase could lead to ongoing financial harm for the consumer and potential regulatory scrutiny.
Consumer Sentiment: negative
Topics: Credit card disputes, Billing errors, Consumer protection
AI Analysis
CFPB complaint 19161479 was filed against CAPITAL ONE FINANCIAL CORPORATION regarding Credit card (General-purpose credit card or charge card), specifically about "Problem with a purchase shown on your statement". A consumer in Arizona filed a complaint against Capital One regarding a disputed purchase on their credit card statement that the company has not resolved. The complaint was received on January 31, 2026 from Arizona. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should meticulously document all communication with their credit card company regarding disputes and consider escalating the issue if it remains unresolved.
Legal Context & Consumer Protection Laws
This situation falls under consumer protection laws related to billing disputes and fair credit reporting.
Regulatory Insight
Regulators may examine if Capital One's dispute resolution process adheres to the Fair Credit Billing Act (FCBA).
Resolution Likelihood
likely
State-Specific Consumer Protections
In Arizona, consumers have rights regarding billing errors and disputes with credit card companies.
Industry Comparison
This is a common issue across the credit card industry, where disputes over purchases can sometimes be challenging to resolve.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19161479 about?
CFPB complaint 19161479 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Problem with a purchase shown on your statement", specifically "Credit card company isn't resolving a dispute about a purchase on your statement". This complaint was filed against CAPITAL ONE FINANCIAL CORPORATION on January 31, 2026.
Which company is complaint 19161479 filed against?
Complaint 19161479 was filed against CAPITAL ONE FINANCIAL CORPORATION. You can view all complaints against this company on their profile page at /company/capital-one-financial-corporation.
What was the company's response to complaint 19161479?
CAPITAL ONE FINANCIAL CORPORATION responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 19161479 filed?
Complaint 19161479 was received by the CFPB on January 31, 2026. It was sent to CAPITAL ONE FINANCIAL CORPORATION on February 1, 2026.
What state was complaint 19161479 filed from?
Complaint 19161479 was filed from Arizona. You can view all complaints from this state at /state/AZ.
Was the consumer satisfied with the resolution of complaint 19161479?
Dispute information is not available for complaint 19161479.
What product category is complaint 19161479 about?
Complaint 19161479 is categorized under "Credit card", specifically "General-purpose credit card or charge card". This is one of the product categories tracked by the CFPB.
How was complaint 19161479 submitted?
Complaint 19161479 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 19161479?
This situation falls under consumer protection laws related to billing disputes and fair credit reporting. This relates to a Credit card complaint against CAPITAL ONE FINANCIAL CORPORATION involving "Problem with a purchase shown on your statement".
How likely is complaint 19161479 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19161479?
This complaint is rated as medium risk. The credit card company's failure to address a disputed purchase could lead to ongoing financial harm for the consumer and potential regulatory scrutiny.
What regulatory actions apply to complaint 19161479?
Regulators may examine if Capital One's dispute resolution process adheres to the Fair Credit Billing Act (FCBA). The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 19161479?
Consumers should meticulously document all communication with their credit card company regarding disputes and consider escalating the issue if it remains unresolved.
Are there state-specific protections for complaint 19161479?
In Arizona, consumers have rights regarding billing errors and disputes with credit card companies. This complaint was filed from Arizona.
How does complaint 19161479 compare to industry norms?
This is a common issue across the credit card industry, where disputes over purchases can sometimes be challenging to resolve.
What steps can a consumer take if a credit card company fails to resolve a disputed purchase?
Consumers can file a complaint with the CFPB, contact their state's Attorney General, or seek legal counsel if the dispute involves a significant amount.
How long does a credit card company typically have to resolve a billing dispute?
Under the FCBA, credit card companies generally have two billing cycles, but no more than 90 days, to investigate and respond to a billing dispute.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.