Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
b'Today, Monday XXXX XXXX XXXX approximately XXXX I called Capital One Automated Phone Line to Ensure My Available Balance Was Still $XXXX or so Since I Made My Last Payment of $XXXX on XXXX XXXX XXXX with My Expired XXXX XXXX or XXXX Credit Card I have on hand then and up to Now. A few days after making that $XXXX Payment at the Capital One Bank Window with $XXXX Cash on XXXX XXXX XXXX -- few days later I tried to use My Credit Card Ending in XXXX for an In person Charge and the Capital One Credit Card was Rejected due to Invalid? I was puzzled and after looking closely at The Capital One Credit Card XXXX had an Expiration Date on it of XXXX XXXX! And I was shocked because I knew I just Successfully made A Cash Payment of $XXXX at The Capital One Bank ATM Window on XXXX XXXX XXXX. So I said to myself, maybe they have already sent Me A New Card Being Held in My Mail that I haven\'t Picked Up for the last few Months due to NOT Feeling Well which was when I had missed two recent Capital One\'s Payments which was NOT Normal for Me. And when I made the $XXXX Cash Payment I was Tryung to Pay Down My near Full Small Credit Line of $XXXX but instead of $XXXX being available it was only estimated $XXXX avail with a $XXXX Balance which later I realized may have been for an outstanding Gas Purchase . So once a few days following payment I discovered the Expired Date in XXXX XXXX and I Knew that ""NO CHARGES CAN BE MADE ON MY INVALID ACCOUNT UNTIL I GET THE NEW CAPITAL ONE CREDIT CARD & ""ACTIVATE IT""!!! WELL TODAY WHEN CALLING TO CHECK ON THE $XXXX BALANCE FROM XXXX XXXX ON THIS EXPIRED CARD TO MY SHOCKING SURPRISE THE BALANCE HAD INCREASED TO ABOUT $XXXX AND I LISTENED TO THE AUTOMATED BALANCE 4 TIMES ON REPEAT BECAUSE I THOUGHT I HEARD INCORRECTLY! THEN I ASKED FOR RECENT TRANSACTIONS OF TWO ERRONEOUS CREDIT CARD CHARGES CAPITAL ONE APPROVED ON MY EXPIRED ACCOUNT WHEN I COULD NOT EVEN USE THE PHYSICAL EXPIRED CARD IN MY HAND TODAY AS OF XXXX XXXX XXXX!!! I WAS SHOCKED TWO CHARGES FROM XXXX AND I IMMEDIATELY CALLED ASKED FOR AGENT CALL AT XXXX and the endurance of 48mins ASKING CAPITAL ONE 3 Reps XXXX Agent | XXXX XXXX? Supervisor | XXXX XXXX at disputes to XXXX XXXX ONE REVERSE THOSE TWO CHARGES THEY WERE UNAUTHORIZED FOR AN EXPIRED ACCOUNT AND NO NEW CC HAS BEEN ACTIVATED FOR THEM TO PROVIDE THE MERCHANT WITH UPDATED INFORMATION WITHOUT A NEW ACTIVATED CARD !!! ALL 3 AGENTS REFUSED AND XXXX AT DISPUTES TRIED TO GET MEE TO DISPUTE I REFUSED BECAUSE CAP ONE WRONGFULLY APPROVED AND TRANSACTION HAS ONLY 4 DIGIT REFERENCE # AND NO TIME STAMP OF EACH TRANSACTION WHICH SEEMS FRAUDLENTLY APPROVED MAYBE MANUALLY WRONGFULLY !!! REF# XXXX & #XXXX !!! IM REJECTED THESE TWO CHARGES ON AN EXPIRED CREDIT CARD AND CAPITAL ONE BANK NEEDS TO REVERSE THEM BOTH XXXX CHARGES!!!\' THANK YOU CFPB!!! CC Account#XXXX XXXX XXXX XXXX Exp XXXX cvv XXXX .'

Company response to consumer: Closed with explanation