Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #4799679
Complaint Overview
Complaint ID: 4799679
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: Credit card company isn't resolving a dispute about a purchase on your statement
State: California
ZIP Code: 92078
Date Received: 2021-10-11T12:00:00-05:00
Date Sent to Company: 2021-10-11T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
When I returned a rental car to XXXX on XX/XX/2021 in XXXX, XXXX, they claimed there was new damage to the car. I disputed that with them at the time. They claimed damage of {$450.00} I filed a complaint with my XXXX card issuer, Capital One, stating XXXX claim was incorrect and denying I caused any damage to the car. From speaking with a representative at Capital One, I learned that XXXX acts as an intermediary between the merchant ( XXXX ) and the card issuer ( CapitalOne ). Capital One contacted XXXX through XXXX XXXX and relayed my claim. XXXX reported back to directly to XXXX that I acknowledged the damage at the time I returned the car. This is not true. In fact I completed a form denying any responsibility for what they claim to be new damage. ( I should note that the car had numerous scratches, scraped and minor dents all over the car ). Capital One told me there was nothing I could do since the determination was made by XXXX and that there was no way for me to speak directly to XXXX about the dispute. I have since closed the account, but penalties continue to accrue on the claimed balance owed. Is there anything CFPB can do to help me resolve this issue? Thank you-
Frequently Asked Questions
What is Complaint #4799679 about?
Complaint #4799679 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 2021-10-11T12:00:00-05:00.
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.