Credit card -- Problem with a purchase shown on your statement -- Complaint #9664311
Complaint Overview
Complaint ID: 9664311
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: California
ZIP Code: 93314
Date Received: 2024-07-25T12:00:00-05:00
Date Sent to Company: 2024-07-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I ordered a Capital One Walmart Credit Card. I got it in the mail and never even activated it. About a month later or less I got a bill in the mail saying I owed {$1100.00}. I was confused so I called capital One. They told me that it was for purchases online for Walmart. I told them I had not used my walmart card online or used it at all. I had not even activated it yet so that can not be possible. I went online to my Walmart account. I checked to what was going on. I find that they had linked my new credit card to my online account that I use often to order groceries. I'm a single mother and I raise XXXX boys by myself. I have a XXXX XXXX XXXX XXXX XXXX XXXX. The father doesn't help with money at all. I get government help with food for my kids. They give me a EBT ( electronic benefits transfer card ). I use that to order my food online with Walmart. My EBT card was set as default payment card. So when I order food it usually charges that card automatically. So I ordered food as usual not knowing Walmart without my consent changed my default card from my EBT card to their Walmart Capital One card and set it as the default card on my account. So when I ordered groceries it was charging the Walmart credit card. I called them and told them and they said they couldn't take it off their card and put it on my EBT card. I told them that I didn't authorize or even know they had done this. I believe this is illegal from what I researched online they have violated several laws. Now my credit has been ruined because I refuse to pay a debt that I never authorized or even knew was happening. I got that credit card strictly for emergencies and to help build my credit even more. I wish I never got the card now. It did the exact opposite and destroyed my credit in a matter of months when it took me over 2 years to get it up to XXXX. Im so mad about this. Not only that they were not willing to help me at all. They could of taken the payment off of the credit card and charged my EBT card like I had set it up to do until they changed it without my permission. I feel they did this on purpose to be able to get money out of me for late charges and interest. Im already struggling as it is raising XXXX boys by myself and they took advantage of a poor mother and ruined my credit score and have caused me a lot of stress and financial damage and hardship. They should be held accountable for what they have done.
Frequently Asked Questions
What is Complaint #9664311 about?
Complaint #9664311 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 2024-07-25T12:00:00-05:00.
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.