Checking or savings account -- Managing an account -- Complaint #4815606
Complaint Overview
Complaint ID: 4815606
Company: Capital One Financial Corporation
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
State: Illinois
ZIP Code: 60202
Date Received: 2021-10-16T12:00:00-05:00
Date Sent to Company: 2021-10-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Strange withdrawals from my checking account which Capital One claims I did- I denied the claim that it was me withdrawing money from this ATM, to which they entrapped me with my own words in a dishonest way : They asked if I had misplaced my debit card, which to my knowledge has not left my wallet. They said that by that logic, because I did not misplace my wallet that my fraud claim is closed and that I am responsible for the charges. HOWEVER. Not only do I have zero recollection of having withdrawn from a strange ATM, the address of this mystery ATM is XXXX XXXX XXXX XXXX, a seemingly residential address. Upon looking up this address, it is assigned to an empty lot inside a residential neighborhood and there is not a single business entity that seems to have been at this address or using this address for any purposes. I've reported my findings to Capital One, but they just kept repeating the same thing regarding how they will not do anything other than close the claim and that I should file a police report if I am not happy about their decision ( which we all know does absolutely nothing ) Please help, and thank you for your time
Frequently Asked Questions
What is Complaint #4815606 about?
Complaint #4815606 was filed against Capital One Financial Corporation regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2021-10-16T12:00:00-05:00.
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.