Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #6303327
Complaint Overview
Complaint ID: 6303327
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: Card was charged for something you did not purchase with the card
State: Pennsylvania
ZIP Code: 19382
Date Received: 2022-12-09T12:00:00-05:00
Date Sent to Company: 2022-12-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
Capital One : Fraud case XXXX I reported a fraudulent use of my credit card on XX/XX/XXXX to Capital one when I saw a charge of {$500.00} to XXXX XXXX XXXX XXXX XXXX. Yesterday I received a letter from Capital One denying the fraud claim saying that they had investigated the charge and found it was valid. I spoke to the XXXX department and was escalated several times and received the same answer of denial. I did learn two things from these conversations : 1. The supposed sale took place at XXXXXXXX XXXX in the morning in XXXX ; 2 ) the card was either swiped or used in person. I was indeed in XXXX from XXXX late evening from XX/XX/XXXX when my XXXX ship sailed. However at XXXXXXXX XXXX I was asleep on my cabin on the ship with my spouse. There was no way I could have made an in person purchase. Capital One refused to give me any information about the vendor including address. Indeed, I can not find any trace of the vendor. My conclusion is that when I visited the XXXX XXXX on XX/XX/XXXX ( and made no purchases or went into any storeswith a personal guide ) my credit card information was somehow electronically stolen
Frequently Asked Questions
What is Complaint #6303327 about?
Complaint #6303327 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 2022-12-09T12:00:00-05:00.
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.