Checking or savings account -- Managing an account -- Complaint #8277904
Complaint Overview
Complaint ID: 8277904
Company: Capital One Financial Corporation
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
State: New York
ZIP Code: 11542
Date Received: 2024-02-03T12:00:00-05:00
Date Sent to Company: 2024-02-03T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am requesting to reopen a case with Capital One Bank, XXXX XXXX XXXX that still has not been resolved. Dear XXXX, Thank you for your reply. Capital One has not investigated this case thoroughly and the evidence/ documentation that I have provided does support my claim of unauthorized activity on my 360 Checking debit card ( XXXX ). Please answer the following question : How could Capital One refund me for one ( 1 ) unauthorized charge of {$500.00} and deny the other unauthorized charge of {$200.00} that occurred on XX/XX/2022 ( the same day ) at XXXX in XXXX? This makes no sense whatsoever. I am requesting to speak with an executive supervisor at your corporate office in Virginia, perhaps a phone call from the president/ CEO XXXX XXXX to discuss this matter further. No one at your organization has taken responsibility for the fraudulent/ unauthorized charges made on my 360 Checking capital one debit card ( XXXX ) at XXXX in XXXX on XX/XX/2022, where I do not shop at OR live by. My 360 Capital One debit card ( XXXX ) had unauthorized/ fraudulent charges made in XXXX on XXXX XXXX on XX/XX/2022. As stated in my letter addressed to Capitol One Corporate Offices at The Office of the President, Capital One, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/2022 : *************************************************** On XX/XX/2022, I called Capital One bank at ( XXXX ) to discuss these fraudulent charges and a new case # was assigned XXXX. The {$500.00} charge was denied, the {$200.00} charge went through. These fraudulent charges were made at XXXX. It makes no sense that the second charge of {$200.00} went through since I replied, No for both attempted charges. This new case was going to be investigated and the representative could not understand how the second charge of {$200.00} went through either. The representative and I decided to have the new debit card sent to my home address instead of my XXXX XXXX since the last debit card was stolen in transit. The representative confirmed that the card stolen ended in XXXX. ***************************************************** I will be providing a police report which states the facts and provides supporting documentation for this case/ complaint. Capital One Bank has not investigated this case thoroughly and the way that this case/ complaint has been handled is beyond disbelief. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #8277904 about?
Complaint #8277904 was filed against Capital One Financial Corporation regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2024-02-03T12:00:00-05:00.
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 (Checking or savings account) 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.