Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #7243401
Complaint Overview
Complaint ID: 7243401
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: California
ZIP Code: 91384
Date Received: 2023-07-12T12:00:00-05:00
Date Sent to Company: 2023-07-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX at XXXX XXXX I received 2 texts from Capital One, one asking if I just made a {$600.00} charge at XXXX followed by a 2nd text stating the charge was declined as there was not enough credit. I was home at the time so responded 'No ' as I did not make the charge. Additionally, knowing {$600.00} would not take me over my credit limit I immediately logged into my account and there were 3 additional pending charges from the day that I did not make : {$1400.00} to XXXX, {$450.00} to XXXX, and {$210.00} to XXXX XXXX XXXX XXXX. Immediately called Capital One to report the charges as fraud. A credit was issued for all 3 transactions on XX/XX/XXXX. On XX/XX/XXXX the credits for {$450.00} and {$210.00} where then charged back to my account. When I called Capital One to question this, they indicated that these transactions were reportedly made with a chip, and those could not be tampered with ( not true at all! ) and as such they could not 100 % be sure it was fraud, although they are acknowledging the XXXX charge as fraud from the same day as it was done online. The fact there was also a 4th large charge that was declined the same day clearly indicates someone making purchases who was not familiar with the account. I am being held responsible for over {$700.00} in fraudulent charges and they are refusing to help me any further.
Frequently Asked Questions
What is Complaint #7243401 about?
Complaint #7243401 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 2023-07-12T12:00:00-05:00.
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.