Credit card or prepaid card -- Trouble using your card -- Complaint #6217373
Complaint Overview
Complaint ID: 6217373
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: Washington
ZIP Code: 98926
Date Received: 2022-11-17T12:00:00-05:00
Date Sent to Company: 2022-11-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CFPBs available options do not adequately describe my situation. To begin, several times there have been billing inconsistencies. On one phone call in which I attempted to address this issue, the CapitalOne agent seemed completely incapable of understanding what had occurred or addressing my concerns. Most recently, the company withdrew money from my auto-pay account that I did not actually owe. This resulted in a negative balance on my card. In other words, CapitalOne stole these monies. In a separate issue, CapitalOne is now declining purchases, even for vendors with whom I have been doing business for years and whom I have paid using my CapitalOne card on many previous occasions. On the morning of XXXX XX/XX/2022, I called and spoke with an agent, who informed me that there was a fraud watch on my card. I explained that the card is not useful to me if CapitalOne is going to decline to approve purchases. I then asked the agent to cancel my current card and send a replacement. I requested this several times and was very clear in making this request. There was also another person present who was a witness to this conversation. This morning, I received an alert that a previously declined purchase had been approved on the card that I requested be cancelled three days ago. I have been an exemplary card holder. I believe I have had this card for more than four years. Every month I pay the entire statement balance. On one occasion, my payment processed the day after the due date ( due to how CapitalOne processes its payments ), and the company charged me a fee. I asked that it be refunded, due to my excellent payment history, and the agent refused to do so. I am an attorney who is well aware of my rights. If I am having these types of problems with CapitalOne, I can only imagine what difficulties less informed, less educated consumers are having. From my perspective, the company is not acting in good faith and is violating the law.
Frequently Asked Questions
What is Complaint #6217373 about?
Complaint #6217373 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 2022-11-17T12:00:00-05:00.
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.