Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #7371282
Complaint Overview
Complaint ID: 7371282
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: California
ZIP Code: 90403
Date Received: 2023-08-08T12:00:00-05:00
Date Sent to Company: 2023-08-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XXXX, there was a fraudulent charge by " XXXX '' placed on my Capital One Quicksilver credit card in the amount of {$140.00}. I have informed Capital One that this charge is fraudulent and have evidence showing so. Capital One has refused to remove this fraudulent charge from my credit card. Importantly, according to FTC Law, Capital one must provide me with documentation and proof that this charge is valid if I ask for it and also provide me the details of their investigation. According to FTC Law : " If the issuer determines that you owe the disputed amount, they must tell you promptly and in writing how much you owe and why, and provide copies of documents that prove you owe the money if requested. '' The preceding statement is from the FTC. I would like Capital One to provide me with this documentation, which is required if I ask for it according to FTC Law. To be clear and underline this point further - the only thing Capital One should provide in their response is the proof and evidence that I made this charge, that it is valid and warranted, which they are required by law to provide if requested. If Capital One feels they have provided this evidence already ( they haven't ), then re-attach it in their response. Capital One is violating the law if they do not provide the proof of this charge, and that I made it, that I am requesting. This clear request is in a written and recorded format here. Once again - provide the documentation and evidence that proves that this charge is valid and factual.
Frequently Asked Questions
What is Complaint #7371282 about?
Complaint #7371282 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 2023-08-08T12:00:00-05:00.
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.