Consumer complaint received 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX items to be addressed. Capital One is charging {$29.00} per month in late fees which your site says max is {$8.00}. I have sent emails to the CEO and the managing credit card executive of Capital One with no response. The main issue is below which caused me to close my accounts. They are saying it was a subscription service from the prior card and they have the right to provide my new card number without authorization. 

I have been a Capital One customer since before the acquisition of XXXX XXXXXXXX XXXX  So this is back to the XXXX 's. 

I sold my business after XXXX XXXXears on XX/XX/XXXX. I had many vendors on auto pay with my credit card. However, I didn't want to drop the ball and let any new charges go through in case I forgot to cancel any of them. So in XX/XX/XXXX, I called Capital One to cancel my card account number ending XXXX and the other card number linked to it and to replace it with a new card number ending in XXXX just in case. I was doing my due diligence of preventing any issues. I still needed a business card as the new owners wanted me to visit my accounts over the next 2 years to keep relations. So the account was kept open primarily to cover gas purchases and the business cell phone but with only with a new card number ). 

On XX/XX/XXXX a charge came thru from a vendor Host Gator for {$230.00} that I hadn't remembered to call as they charge once every XXXX  years. On XX/XX/XXXX I noticed the charge on my app and I called to dispute the charge as I had not provided Host Gator the new card number. The rep advised that Capital One had provided Host Gator the new number ( not me ). I had not authorized this nor provided them my account number. They had put the dispute through. Several weeks later I noticed the charge was put back on. I called back and they said I had to fill out an additional form which I did. I then received a letter a couple weeks later that said the charge is nonrefundable and will remain. Had Capital One not provided my account number, there would not have been a nonrefundable item. Nor did Capital One send a text ( as they normally do ) to ask if this was a valid charge ( Hit Confirm or call their number ). Capital One just put the charge through at their discretion without checking with me. Capital One illegally gave out my card number. 

Since then, I have closed all my accounts totalling over {$300000.00}, and my credit card accounts which I charge around {$2000.00} monthly. I don't feel Capital One protected me or my funds nor provided the correct customer service. 

I have taken reports of my credit scores as well. which are above XXXX. I have worked hard over my lifetime to build this up and been a loyal customer for XXXX years. Should my score be affected by this I will bring a claim against Capital One. I expect this matter to be closed and written off due to Capital One 's error. 

I will also forward this over to the government as a complaint should this not be resolved.

Company response to consumer: Closed with explanation