Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #6614015
Complaint Overview
Complaint ID: 6614015
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: Credit card company isn't resolving a dispute about a purchase on your statement
State: Idaho
ZIP Code: 83714
Date Received: 2023-02-24T12:00:00-05:00
Date Sent to Company: 2023-02-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was email phished for a job as a Regional Branch Purchasing Manager in XXXX XXXX XXXX - US Branch. Through a series of interactions they convinced me to purchase XXXX Laptops from my local XXXX XXXX and ship them to a person and location in Florida. They assured me they would pay for the charges and provided me an account number to enter into my credit card payment. It looked like it was paying then a week or two later the payment reversed and their email and phone number no longer worked. I have the receipts both paper and email. I also have all the email correspondence. XXXX XXXX on XXXXXXXX for {$16000.00}. XXXX XXXX on XX/XX/19 for {$13000.00}. XXXX XXXX on XX/XX/19 for {$1300.00}. XXXX XXXX on XX/XX/19 for {$15.00}. USPS on XX/XX/19 for {$240.00}. USPS on XX/XX/19 for {$260.00}. USPS on XX/XX/19 for {$310.00}. During this time Capital One never questioned these charges and never spoke with me about the payments reversing. Up until this time I sporadically used the card and had a manageable balance. These charges in the month of May were over 3x what I had previously charged on the card for the entire time I had it. When I spoke to their fraud department they said since it was me who made the purchases they were not liable. I think they were and they failed to protect me and never questioned these unusually large purchaes or why the payments I made on their website were reversing.
Frequently Asked Questions
What is Complaint #6614015 about?
Complaint #6614015 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 2023-02-24T12:00:00-05:00.
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.