Credit card or prepaid card -- Problem when making payments -- Complaint #6613879
Complaint Overview
Complaint ID: 6613879
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: Florida
ZIP Code: 322XX
Date Received: 2023-02-24T12:00:00-05:00
Date Sent to Company: 2023-02-24T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I made a payment to Capital One on XX/XX/XXXX via a cashier 's check for {$4100.00}. The check was sent through XXXX with tracking # XXXX delivered on XX/XX/XXXX signed for by XXXX XXXX at Payment Processing Capital One XXXX XXXX XXXX XXXX NC XXXX. The cashier 's check cleared XXXX XXXX XXXX on XX/XX/XXXX. The payment was never posted to my account. I started an investigation with capital on XX/XX/XXXX Case number XXXX. On XX/XX/XXXX, a letter stating that proof of check was needed. I faxed over copies of the check, letter, XXXX slip and proof of delivery. On XX/XX/XXXX received another letter from capital one stating that was not enough information/proof. On XX/XX/XXXX faxed over proof of the cleared cashier 's check. On XX/XX/XXXX received a letter from capital one stating that We received your request concerning your payment for {$4100.00}, processed on XX/XX/XXXX. Your account was not credited because the funds were sent to an invalid account and returned to the originating bank account. I have not received the money back to my original account. I have contacted capital one several time and they do not have an answer as to where my {$4100.00} is at. One of the last phone calls we had both financial institutions on the line and capital one told XXXX XXXXXXXX XXXX that they returned the original check back to them, which would not work due to check was already cleared. Then the next person for capital one said that she needed to start a new case to find out where the money is at. This payment was not made to any type of loan that has a lien attached to the account. It was made to a credit card payment. I have requested a check number and tracking number from capital one. Capital one would not provide this information to me. I also, requested that they do a stop payment on the check and deposit the funds into my checking account with capital one. They would not accommodate this request. They then informed me that the funds were being sent back electronically, I advised them with XXXX XXXX XXXX on the line, that they can not return electronically due to the check was a cashiers check.
Frequently Asked Questions
What is Complaint #6613879 about?
Complaint #6613879 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 2023-02-24T12:00:00-05:00.
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.