Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/year>, I called Capital One and explicitly requested a Regulation E dispute for multiple posting errors and unauthorized debits on my account, totaling thousands of dollars across XXXXXXXX XXXX I repeated multiple times that this was a Regulation E dispute, and the representative assured me it was being filed as such. 

Instead, Capital One misfiled my case. On XX/XX/year>, I received notice that the case was resolved with a {$29.00} credit. Closing a dispute in less than XXXX hours without a proper investigation, when I clearly explained this involves thousands of dollars, is proof that Capital One did not treat this as a Regulation E dispute. I was misled by the representative and even provided with an invalid email address ( XXXX ) for submitting my written statement. This further demonstrates Capital Ones mishandling of my dispute and misrepresentation of the process. 

This mishandling has placed me in a severe financial bind, and I am already two months behind on bills. Regulation E ( 12 CFR 1005.11 ) requires Capital One to either resolve the dispute within XXXX business days or provide provisional credit. Because I gave notice on XX/XX/year>, that XXXX period is already running, and Capital One is in violation by failing to provide provisional credit. 



Details of the Dispute XXXX. XXXX Withdrawals Misclassified as Rejected Multiple transactions were deducted from my Capital One account and listed as going to XXXX, yet XXXX never received the funds. 
Example : On XX/XX/year>, my account shows XXXX transactions labeled as Withdrawal was Rejected, with amounts ranging from {$22.00} to {$160.00}. Despite being marked Rejected, these debits reduced my available balance. XXXX confirms non-receipt. 
These errors extend well beyond that date more than {$4000.00} in XXXX alone. I have begun reviewing XXXX, XXXX, XXXX, and XXXX, and similar errors are already apparent. I am requesting that Capital One extend the investigation to cover XXXX XXXX. 

XXXX. XXXX Gambling Debits ( XXXX XX/XX/year> ) I had already suspected some XXXX charges were not mine or were double charged, but they were mixed with valid ones, making them hard to isolate. 
At the end of XXXX, the problem became undeniable : my account was debited multiple times by XXXX, and Capital One allowed my balance to go more than {$400.00} negative, even though my overdraft limit is {$100.00}. 
On prior occasions with this same site, the system correctly declined charges once I approached the overdraft limit. This time, however, Capital One processed them anyway, resulting in a nearly {$500.00} negative balance. This is both a system failure and an unauthorized transfer. 

XXXX. Double-Charge Errors ( Pending Posted ) On multiple occasions, Capital One has double-charged me by deducting funds once when transactions were pending and again once they posted. 
This is a repeated system error across multiple merchants, and I am requesting a full audit of my account to identify and refund all such occurrences. 



My Demands I am demanding that Capital One : XXXX. Reopen and properly file my dispute as a Regulation E dispute, retroactive to XX/XX/year> ( the day I first gave notice ). 
XXXX. Provide provisional credit immediately for the disputed amounts, as required by 12 CFR 1005.11 ( c ) ( 2 ) ( i ). 
XXXX. Conduct a full investigation into all erroneous debits from XXXXXXXX XXXX ( and beyond if errors are found ). 
XXXX. Refund all improperly debited funds and any fees/interest caused by these errors. 
XXXX. Provide compensation for the mishandling, delays, and misrepresentation by Capital Ones staff. 

I also request that Capital One review the recorded call from XX/XX/year>, where I clearly requested a Regulation XXXX dispute and was falsely told it was being filed correctly. The case number I was given is XXXX

Company response to consumer: Closed with explanation