Credit card -- Trouble using your card -- Complaint #8443035
Complaint Overview
Complaint ID: 8443035
Company: Capital One Financial Corporation
Product: Credit 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: Kentucky
ZIP Code: 408XX
Date Received: 2024-02-28T12:00:00-05:00
Date Sent to Company: 2024-02-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
The account in question is with Capital One ( Walmart ). I had a balance of {$4800.00}, on my Capital One Visa. I made a payment, paying off the total amount of {$4800.00}, on XXXX XXXX XXXX. It was also posted to the account on XXXX XXXX XXXX. It posted as having come out of my XXXX checking account on XXXX XXXX XXXX. Today, XXXX XXXX XXXX, I attempted to use the card to make ax purchase and it was declined. The balance on my card was correct, but the available credit is stating {$32.00}. According to this information it was as if no payment had been made at all. I phone Capital One customer service. The first representative told me that my payment was " too large '' so they put it on hold and won't release it for 7 days. The payment was made via direct banking from the bank account. I work in online payments and I know that it only takes 24 hours for those types of payments. So Capital One thinks it can sit on our money for 6 extra days and draw interest while the funds are inaccessible to us? The representative sent me to an Account Specialist. The AS was impossible to understand. She couldn't even understand the basic account math I provided to her. Eventually she began asking me for my Social Security Number. I explained to her that I would provide her with my last 4 digits, but that she should already have that in information. Keep in mind that I already proven my identity several times at this point. I asked for the next level of support. After 40 minutes she finally transferred me to the Security and Fraud Department. This was more of the same, but at least this gentleman was easier to understand. In the end I never got the help that I needed. I guess they just figure that nearly {$5000.00} is gone from my XXXX Checking Account, but that's not really their problem. How can they just take {$5000.00} and have no more accountability than this?
Frequently Asked Questions
What is Complaint #8443035 about?
Complaint #8443035 was filed against Capital One Financial Corporation regarding Credit card specifically about Trouble using your card. It was received by the CFPB on 2024-02-28T12:00:00-05:00.
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) 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.