Credit card or prepaid card -- Problem when making payments -- Complaint #6488858
Complaint Overview
Complaint ID: 6488858
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: Pennsylvania
ZIP Code: XXXXX
Date Received: 2023-01-25T12:00:00-05:00
Date Sent to Company: 2023-01-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
On XX/XX/2023 I made a payment of {$130.00} to Capital One credit card. It posted on the XXXX, however, my balance showed {$880.00}, but only XXXX available credit. I should have had {$110.00} available credit, because the money in my account was already reserved for the pending charges. I was told the pending charges had to be covered, that when they posted I would only have XXXX available credit. LIARS!!!!!!!!! The money was taken out and put in reserve once I made the purchase or paid a bill. In other words, Capital One is double charging me by removing money from my available credit AND then charging me again, once the transaction posts. They, once again, are stealing my money.
Frequently Asked Questions
What is Complaint #6488858 about?
Complaint #6488858 was filed against Capital One Financial Corporation regarding Credit card or prepaid card specifically about Problem when making payments. It was received by the CFPB on 2023-01-25T12:00:00-05:00.
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.