Credit card -- Problem with a purchase shown on your statement -- Complaint #9411514
Complaint Overview
Complaint ID: 9411514
Company: Capital One Financial Corporation
Product: Credit 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: Florida
ZIP Code: 32812
Date Received: 2024-07-02T12:00:00-05:00
Date Sent to Company: 2024-07-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, an individual tried to make a payment through my bank account in the amount of {$1400.00}. I received a text message from my bank stating that my account was overdrawn over {$300.00} because this individual tried to make a payment from Capital One. I contacted Capital One and spoked to a representative from the fraud department and stated that I did not make this payment I had already made a payment on this account in the amount of {$110.00}, so why would I make a payment of {$1400.00}, when I can not afford that. My payments are very consistent each month. I was told by the representative to call my bank, so I did. I called my bank and the bank representative stated that because they did not pay for the transaction for me not to worry it would be reversed by the next business day. The amount of {$1400.00} was reversed as the bank representative stated on XX/XX/XXXX. I thought this situation was over with. After my money was returned back to my account, I received an inquiry from my credit report that this individual also applied for a Capital One Platinum Credit Card. I called Capital One and stated that I did not apply for this credit card. Why would I because I already have a Capital One Platinum card. After going back and forth with the representative, he cancelled the application and stated he would take the inquiry off of my credit report. On XX/XX/XXXX, after this individual did not get approved for the credit card. He attempted to try to make another payment and this time he did it from his XXXX in the amount of {$1400.00}. I was told this by the Capital One representative. This purchased changed all of my information to his information. He listed himself as an authorized user and changed my address to XXXX XXXX XXXX, XXXX, CA XXXX, and Capital One sent this individual my Capital One credit card. The representative act as if she was in shocked that this is happening. This individual name is XXXX XXXX. I learned his from some of the that was made on the card and at the time on the pending transaction it had his name, and it was confirmed by Capital One. I did not make these charges or payment of {$1400.00} on my account. This money was unauthorized taken from my checking account. I have never lived at this address, and I do not know this person. I am a victim of identity theft. I have a fraud alert on my credit report, so I do not understand how this keeps happening and no one is prosecuted for this crime.
Frequently Asked Questions
What is Complaint #9411514 about?
Complaint #9411514 was filed against Capital One Financial Corporation regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2024-07-02T12:00:00-05:00.
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.