Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5971226
Complaint Overview
Complaint ID: 5971226
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: Store credit 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: New Jersey
ZIP Code: 070XX
Date Received: 2022-09-11T12:00:00-05:00
Date Sent to Company: 2022-09-11T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hi, My name is XXXX XXXX. On XX/XX/XXXX I was charged {$900.00} on a Neiman Marcus charge card which is issued by Capital One. I received a statement in XXXX in which I didn't recognize the charge and I called Capital One. The said they would investigate and opened up a case. The case number was XXXX. I received a letter on XX/XX/XXXX stating it was resolved and the charges were reversed. Shortly thereafter I was again charged the full {$900.00}. I made calls both to Capital One and Neiman Marcus. I was I informed that the charge took place in a Neiman Marcus store in XXXX XXXX Florida on XX/XX/XXXX. I was never in XXXX XXXX during that time. I have records that I was physically in NJ that week and I also have XXXX receipts that show my toll history for that week as well. I was never informed what the purchases were that amounted to {$900.00}. In all honestly, I rarely use this card as I haven't been shopping at XXXX much. Capital One was not interested in my proof and got quite nasty with my on the phone. Their explanation was that since I was in possession of a card it had to be me at the store. They declined to send me a receipt or to let me know which card was used since apparently the sent me an updated card in XXXX or XXXX. I normally get emails and transaction alerts on the app when I do make charges and I never received an email or alert in XXXX. My last email and alert on the app was in XXXX for a minor purchase. My phone number is on my profile and always used during purchases to get points on the transaction. For this {$900.00} transaction my phone number was not used and I received no points. I'm frustrated and disappointed in both the lack of transparency with Capital One. I thought they worked with their customers rather against.
Frequently Asked Questions
What is Complaint #5971226 about?
Complaint #5971226 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 2022-09-11T12:00:00-05:00.
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.