Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5686659
Complaint Overview
Complaint ID: 5686659
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: Maine
ZIP Code: 04106
Date Received: 2022-06-19T12:00:00-05:00
Date Sent to Company: 2022-06-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX our XXXX XXXX stopped working and my husband XXXX XXXX contacted XXXX XXXX to cancel the account. On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX still charged me on my CapitalOne card. Each year I called CapitalOne to dispute the {$59.00} charge and requested I not be charged in the future ; however, CapitalOne refused to refund me. Attempts to get through to a live agent at XXXX XXXX were always unsuccessful. On XX/XX/XXXX my CapitalOne card was once again charged. Once again, I called CapitalOne and disputed the charge, but they said that XXXX XXXX confirmed I had an active subscription. After multiple calls, I was able to get through to XXXX XXXX and the agent confirmed that he could find no active subscription for any of my current or prior email accounts. When I asked if he could trace my credit card to an account, he admitted he had no way to do this. He suggested I dispute the charges with CapitalOne. When I told him I had tried but CapitalOne always said that XXXX claimed I had an active account - he suggested I ask for the details of the active XXXX account - as without that there would be no way for XXXX to cancel it. I called back CapitalOne and asked for the letter from XXXX or some documentation detailing the alleged XXXX XXXX account, but CapitalOne refused because it would violate my " privacy. '' Once again on XX/XX/XXXX, i received another charge on my CapitalOne statement. I disputed the charge by submitting a claim online and then called to give the background. The representative told me that she remove the automatic renewal of the subscription and that I should wait to hear back on the prior years ' charges. Today I received two letters from CapitalOne - one said that they were charging me again for the {$59.00} this year and the other said they were reinstating the automatic subscription to XXXX XXXX because XXXX says I have an active account. When I call XXXX XXXX they said I have no active account. I am stuck in an endless loop here between two giant corporations and no one is willing to give me the information I need to correct this situation.
Frequently Asked Questions
What is Complaint #5686659 about?
Complaint #5686659 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 2022-06-19T12:00:00-05:00.
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.