Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #7336915
Complaint Overview
Complaint ID: 7336915
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: Texas
ZIP Code: 78259
Date Received: 2023-08-01T12:00:00-05:00
Date Sent to Company: 2023-08-01T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The following letter sent to Capital One describes the fraud : XXXX XXXX : XXXX dated XX/XX/2023 This is in reference to the above mentioned claim files for my stolen credit card and used by someone else for more than {$10000.00}. I have received your letter for denying my claim for these transaction stating not enough evidence to support. Please undewrstand if someone loses credit card, what proof is he supposed to give you to prove that it was used by someone else? Also i would like to put forward the following for your reference to prove that it was not used by me. XXXX. In the history my credit crd for last more than 5 years, m my card is only used at not more than XXXX locastions on weekly basis. So your system should have detected unusual acivity right at the first instance when it was swiped at XXXX shop in different location. XXXX. It is business card, so any activity other than businesses should have prompted by your system anmd styopped the transaction, but it did not happened. Also it was never used at the night time in my purchase history. XXXX. I have attached my XX/XX/XXXX Timeline to prove my activities on XX/XX/XXXX all day for your reference. XXXX. Also filed a report with XXXX XXXX police department case XXXX on XXXX XXXX, 2023 to prove my innocense. XXXX. I will request you to escalate the case with npolice department as they can check the camera at places where the card was used. XXXX XXXX, XXXX XXXX XXXX all have camera 's to prove my innocense and find out the person who has done this fraud. Your response has made a big question mark on my safety of using your card for future puirchases. If I lose it again and someone swipes it for {$50000.00} than will I be responsible for those fruad?? I will request you to review the case again and credit my account for those charges. Thank you XXXX XXXX ( Phone XXXX )
Frequently Asked Questions
What is Complaint #7336915 about?
Complaint #7336915 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 2023-08-01T12:00:00-05:00.
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.