Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
Capital One closed my credit card account without my authorization after a representative mistakenly marked a valid transaction as fraudulent. I specifically told Capital One not to file a fraud claim on that transaction, yet a representative initiated a chargeback anyway. This error caused my account to be closed and my minimum payment to increase to around {$200.00}, creating financial hardship. 
I have contacted Capital One multiple times to explain that the situation was caused by their internal mistake, not by any action on my part, but I have been told there is nothing they can do because the account is already closed. I am requesting that Capital One review and correct this as a bank error under the Fair Credit Billing Act ( FCBA ), restore the proper account status, and adjust or waive the high minimum payment that resulted from this error. I told them specifically which transactions were unauthorized due to the fraud I was experiencing, and somehow someway THE CAPITAL ONE REPRESENTATIVE chose the wrong transactions, one from XXXX, and thats what initially prompted my first account closure. I believe it happened back to back with both of my capital one cards. Same exact situation. I was hesitant to pay the monthly bill because I was confused as to why my account was even closed in the first place. I believe this was unethical and not fair, and I'm studying at a prestigious university wasting my last dollars I have to further my education, so I can not at the moment pay them immediately. I wish I still had access to my credit card so I can use it normally and make my payments. My credit has been ruined by their simp mistaken, my credit has been ruined. All over a mistakenly chose translation during a fraud claim phone call. My life has been a mess since. They also have declined other recent and legitimate fraud claims against myself various times this year when my debt card was lost and stolen. my debt card is currently lost and stolen now and I still haven't received a new debt card despite ordering one and I HAVE NEVER collected any of my temporary credits back or never had any of my rightfully hard earned money that I was owed returned back to me. I just want the best situation to happen. I also would like fi you guys could take a look at my debt card claims as well because someone was using my account for a merchant for many months, using a lot of my money without me being aware, but capital one did not have my back in regards to recovering my money. Even the name someone is using on the card is not a name associated with me. It happened many times. I hope there is a positive resolution a the end of the light for the sake of myself, the consumer and end-user. One of the photos I submitted shows the transaction and someone else 's name under my card with capital ending in XXXX my credit card ended in XXXX.

Company response to consumer: Closed with explanation