Consumer complaint received 2018-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Complaint against Capital One, XXXX XXXX XXXX, XXXX, VA XXXX Credit card number XXXX On or about XX/XX/XXXX, I contacted Capital One, and deactivated my credit card. 

On XX/XX/XXXX, I contacted Capital One and asked about the credit limit and any restrictions. 
I asked the Capital One Representative could a secondary card holder charge more than the credit limit on the card. They said no. I advised that I do not want the secondary card holder to charge more than the credit limit. The representative advised that they could not and Capital One would decline credit over the limit. 

On XX/XX/XXXX, I advised Capital One that based on this information to reactivate the card. They advised that this was a recorded conversation. 

On XX/XX/XXXX, a charge was made by the secondary card holder for {$2700.00} for a car rental from XXXX XXXX XXXX  in XXXX, NC. I contacted Capital One and complained of an over the limit charge. They refused to allow a dispute on my credit card, and I was forced, in violation of our contract, to request closure of my credit account. 
After I closed the account, I received a notice that they accepted my dispute. 


I had previously from the date of XX/XX/XXXX, filed a fraud claim and again asked about a limit on charges on my account. I was advised that no charges over the limit of {$1000.00} would be accepted. 

On XX/XX/XXXX, my account was officially closed. 

On XX/XX/XXXX, I was charged again for a transaction re-bill for the {$2700.00} on my account from XXXX XXXX XXXX. 

On XX/XX/XXXX, after my account was closed Capital One again allowed a merchant to charge an additional amount of {$26.00}, from XXXX XXXX XXXX. 

I advised Capital One prior to XX/XX/XXXX, and was told by them that charges over the limit would be rejected. I never advised or approved Capital One, the card issuer, to allow charges to exceed my credit limit and advised them of such and was informed by Capital One that no charges would be accepted over the limit. I advised Capital One that it was good that no charges would be allowed or accepted over my credit limit. I had two recorded conversations with Capital One on this matter and on fraud prevention. 

I had also asked for a small increase of my credit limit for charges and was refused a limit increase by letter. 

By allowing a merchant to charge my account with a charge almost three times the legal limit agreed upon, by re-billing said transaction, by forcing me to close my account to file a dispute, and then allowing a merchant to charge an additional charge over the disputed amount to my account after said credit card account was in fact closed and after I filed a complaint number XXXX with the Consumer Financial Protection Bureau, they have violated my constitutional rights as a XXXX senior citizen. They have violated the agreement that I made with them and provisions of the Card Act of XX/XX/XXXX. 

I am requesting that a complaint be filed against Capital One for allowing a merchant to charge my account almost three times my credit card limit, by not notifying me, by forcing me to close my account in order to file a dispute and by allowing a merchant to charge an additional amount to my account, after said account was officially closed, in violation of the Card Act and other applicable laws.

Company response to consumer: Closed with explanation