Credit card or prepaid card -- Trouble using your card -- Complaint #4578823
Complaint Overview
Complaint ID: 4578823
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Trouble using your card
Sub-Issue: Can't use card to make purchases
State: New York
ZIP Code: 10473
Date Received: 2021-07-27T12:00:00-05:00
Date Sent to Company: 2021-07-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hi on XX/XX/2021 I was approved for a Walmart Capital One Credit card to be used only at Walmart. After applying for the credit in the terms it stated that I could immediately use my card. I tried to make a purchase of {$88.00} on XX/XX/2021 and XX/XX/2021 Both orders Were Canceled immediately. Due to the Verification System Process. I called to ask what the Problem was in order to make purchases and Was told that their System automatically does this. That my available Credit was Placed on Hold and that I had to wait 1 to 5 Business days for the credit to become available. Although my transactions were canceled from their end online. I called back to express my frustration and Experience as a New Cardmember and Consumer. And Stated that It should not be so difficult to make a New purchase and that No holds should be placed on transactions that were automatically canceled after I Placed an order. A representative issued me two {$10.00} promotions to use for future orders. Yet my problem still isnt resolved. I called capital One to check my balance and availability of credit and its stating Zero when only One transaction went through for the amount of {$110.00} My other credit is Still on hold and Im unable to use what I need for a gift and my household. I also called to put in a dispute because the information on the automated System of Capital one is inaccurate. Its stating that my credit limit was used and its Not. Only one Transaction took place
Frequently Asked Questions
What is Complaint #4578823 about?
Complaint #4578823 was filed against Capital One Financial Corporation regarding Credit card or prepaid card specifically about Trouble using your card. 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 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 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.