Credit card or prepaid card -- Fees or interest -- Complaint #6055330
Complaint Overview
Complaint ID: 6055330
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: California
ZIP Code: 902XX
Date Received: 2022-10-05T12:00:00-05:00
Date Sent to Company: 2022-10-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XXXX 2022, I opened a capital one venture X credit card. Within one week, my data had been stolen and used fraudulently. The company froze my account. In XXXX 2022, the fraud claim was resolved and charges were refunded to my account. However, there were actual charges made by me and the {$390.00} membership fee. Although the fraud was resolved, the Company wanted to verify my identity before unfreezing my account ( blocking all functions but payment on existing balances ). I called throughout XXXX and XXXX and was told their department was handling my account and the only thing I should do was make the payments ( including the membership fee ). By the end of XXXX, I had paid off all balances. I called once more XX/XX/XXXX and was informed they were still reviewing my account. On XX/XX/XXXX, I called again and was told my account was closed and I was outside of the refund period for the {$390.00} membership fee despite only one week of usage and my repeated attempts to get my account unrestricted.
Frequently Asked Questions
What is Complaint #6055330 about?
Complaint #6055330 was filed against Capital One Financial Corporation regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2022-10-05T12:00:00-05:00.
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.