Credit card or prepaid card -- Trouble using your card -- Complaint #7133930
Complaint Overview
Complaint ID: 7133930
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: California
ZIP Code: 90731
Date Received: 2023-06-18T12:00:00-05:00
Date Sent to Company: 2023-06-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have been a customer of Capital One for 4 years. I have never been late, I have never been over the credit limit. Most of my payments were in full. This summer I would like to purchase a used vehicle in cash, so I decided to pay less on my credit cards and keep more cash. On XX/XX/2023, all 3 of my accounts were restricted without warning. They claim that the " fraud department '' needs me to submit 3 recent bank statements to confirm my identity. This does not make sense, and there is no reason to do so. Is this because I'm not paying my balance in full anymore? Is this because it took several tries for me to obtain a cash advance since customer service kept giving poor instructions on how to do so each time I called? When I called the " fraud department '' on XX/XX/2023, the rep was very evasive. Since I didn't receive any response to my letter, I called the " fraud department '' to follow up today XX/XX/2023. I spoke with the 1st rep who acknowledged the letter, and then was transferred to her manager who claimed that she didn't see any letters. Then this same manager hung up on me! She informed me that I was be recorded, ( which is perfectly fine and expected ), and I told her I was recording her as well. She stated I couldn't record her and hung up on me. I would like for the recording of this conversation to be part of this investigation. Since my tendency has always been to use the credit cards for daily use to avoid my debit number from being overly exposed, I now have the burden of figuring out what auto-bills I need to change over to different account numbers. I'm attaching the letter, a snapshot of my accounts, a snapshot of my XXXX XXXX profile showing that I have a 100 % on time payment history on ALL credit terms with ALL credit companies, and proof of the letter I sent that the manager denied receiving.
Frequently Asked Questions
What is Complaint #7133930 about?
Complaint #7133930 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 2023-06-18T12:00:00-05:00.
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.