Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #9805683
Complaint Overview
Complaint ID: 9805683
Company: Capital One Financial Corporation
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: New Jersey
ZIP Code: 071XX
Date Received: 2024-08-08T12:00:00-05:00
Date Sent to Company: 2024-08-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I called after receiving. Text from capital one asking if i authorized a transaction. I reported the claim to the bank XXXX told the representative i had my card with me. However i had a replacement card with the same numbers and lost the Actual card with the same numbers. I called the bank back and told them i lost my card that was active. The bank denied my claim saying a chip was used and they didnt have record of two calls that day. I spoke to a representative today XX/XX/XXXX and told him I however have the two calls on my phone records. I should not be responsible to pay for transactions that were not me and i was willing to even do police reports. I have proof of the two phone calls made to the bank. He said he doesnt have record of the calls but i do.
Frequently Asked Questions
What is Complaint #9805683 about?
Complaint #9805683 was filed against Capital One Financial Corporation regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2024-08-08T12:00:00-05:00.
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 (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.