Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #4578579
Complaint Overview
Complaint ID: 4578579
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Card was charged for something you did not purchase with the card
State: Virginia
ZIP Code: 20191
Date Received: 2021-07-27T12:00:00-05:00
Date Sent to Company: 2021-07-27T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My daughter is an authorized user on my Capital One Visa card. My daughter 's personal information was stolen in a data breach of XXXX XXXX in XXXX. This personal information would contain her name and our home address. Subsequent to the date breach my daughter was a victim of credit card fraud. I notified Capital One of two fraudulent charges as soon as I discovered them. 1. On XX/XX/2021 a fraudulent charge of {$46.00} from XXXX. 2. On XX/XX/2021 a fraudulent charge of {$46.00} from XXXX. Capital One " investigated '' and determined there was no fraud for either charge. I appealed their decision regarding the second charge ( {$46.00} ) and I believe that investigation may still be pending. As of XX/XX/2021 the investigation of the first charge ( {$46.00} ) has been closed. The gist of Capital One 's proof is that the XXXX account that placed the order has my daughter 's name and home address attached to it. And that the destination shipping address for both packages match my city, state, and zip code. I do not think that is enough. Here are my counter claims : 1. XXXX does not verify the physical address of people who open accounts. So the fact that an account has my daughter 's name and address is suspect evidence. 2. The XXXX account with my daughter 's name and home address on it is attached to a XXXX email address. My daughter uses XXXX. 3. The publicly available tracking information at XXXX only shows the packages were shipped to my city, state, and zip code. This does not mean that it was sent to me ( I am not the sole resident of my zip code ). 4. XXXX allows recipients to change the delivery address after the shipment has been placed. So just because XXXX 's records show initial delivery address was my home address it doesn't mean that is the absolute final delivery address. 5. I have the XXXX tracking numbers that Capital One provided for the packages that were shipped with the two fraudulent charges provided above. When I called XXXX they initially would not give me the recipient name or the delivery street address for privacy reason. But I did get XXXX customer service to confirm verbally that the destination street address for delivery WAS NOT my home address. 6. I reported this ID / credit card theft to the XXXX XXXX, VA cybercrimes unit. I got an email response from a detective who advised me that I could get XXXX to give me the information I needed ( name / street address ) by using the Fair Credit Reporting Act Section ( FCRA ) 609 ( e ) that requires businesses to provide consumers with information they need to fight ID theft. 7. I called XXXX again and informed them of FCRA 609 ( e ). Amazingly they agreed to send me the information I requested : the recipient name and recipient street address for the two packages paid and shipped using fraudulent charges to my credit card account. This shipping information from XXXX now conclusively shows that these packages WERE NOT delivered to my home address.
Frequently Asked Questions
What is Complaint #4578579 about?
Complaint #4578579 was filed against Capital One Financial Corporation regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2021-07-27T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with monetary relief". 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 or prepaid 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.