Credit card or prepaid card -- Trouble using your card -- Complaint #7391404
Complaint Overview
Complaint ID: 7391404
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: Georgia
ZIP Code: 31904
Date Received: 2023-08-12T12:00:00-05:00
Date Sent to Company: 2023-08-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I have a co-branded XXXX XXXX issued by Capital One. XXXX uses less than stellar practices when the card is used online for store pickup. When placing your order, they generally get an authorization greater than the amount of purchase when you by weighted goods. I have no problem with that. My problem is that they d not submit the charge under the same authorization number. Instead, upon pickup, they send a second charge for the final amount through. The original authorization often does not fall off for 10 days although the final charge haas cleared the account causing declined transactions. This is not a one off but a standard practice according customer service. A charger should be presented on the same authorization thereby zeroing it out. The limit on the card is so low, that I have had my card declined in store a week later due to.n authorization that should have been zeroed out by the purchase however, they let the authorization ride for the 10 days it takes to fill off by the issuers rules. XXXX should not have twice as much of your credit line utilized as your purchase I believe that this practice is also illegal. Just this week, I had a XXXX subscription declined with another company because their initial authorization on a cleared transaction not only maxed out my bailable credit but appeared to show show my card over limit. The actual transaction cleared nearly a week before my card was declined, XXXX encourages customers to use curbside pickup as this gives 5 % cash back where in store shopping only gives 1 %. This deceptive and borderline illegal practice must stop. I was offered XXXX for my inconvenience. This does not repair the relationship with the other merchant whose transaction was declined due to XXXX over authorization. On more than one occasion I have not been able to use my card for basically the only reason I got it - grocery shopping. Further, the issuer should know better than to allow this practice to continue.
Frequently Asked Questions
What is Complaint #7391404 about?
Complaint #7391404 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 2023-08-12T12:00:00-05:00.
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.