Credit card or prepaid card -- Trouble using your card -- Complaint #5635219
Complaint Overview
Complaint ID: 5635219
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Can't use card to make purchases
State: Texas
ZIP Code: 77007
Date Received: 2022-06-05T12:00:00-05:00
Date Sent to Company: 2022-06-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have a personal credit card with Capital One Bank. I made a credit card payment on XX/XX/22 for {$280.00} from my Capital One checking account. The bank has placed a 26 day hold on my payment. I have no access to credit on my account. I have no ability to pay for food and gas. They should be able to verify that the funds have been withdrawn from my Capital One Checking account since its the same bank. I called the customer service line for 45 minutes. When I finally spoke to a manager he said he does not have the authority to release the 26 day credit card payment hold. I asked him to escalate my complaint to someone else who has the authority and he said there is no one else. He could not provide me with a good reason as to why my payment has a 26 day hold. He just said that the system places a hold because I made multiple payments within a short period of time. This is ludicrous. This is wrong. Please help me.
Frequently Asked Questions
What is Complaint #5635219 about?
Complaint #5635219 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 2022-06-05T12:00:00-05:00.
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.