Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had both a checking and credit card account with Capital One Bank. On XX/XX/XXXX, I discovered that a withdrawal of {$14000.00} was completed from my Capital One Bank checking account. I never authorized nor made this transaction. I proceeded to contact Capital One Bank to notify them of the fraudulent transaction. On XX/XX/XXXX I spoke with a representative at the bank and was informed that an investigation was now open and that the bank will contact me with updates regarding the case as it proceeds. The representative also mentioned that it was obvious this was in fact an act of fraud. I requested the representatives name and reference number for the call, but was denied that request being told that the bank does not give out that information. Capital One Bank never contacted me ; I received no information, emails or calls, regarding the investigation proceedings until XX/XX/XXXX when I noticed a deposit made into my checking account for the amount of {$14000.00}. I was never notified regarding the closure of the investigation, however, deduce that the investigation concluded in my favor since the stolen {$14000.00} were placed back into my checking account. On XX/XX/XXXX Capital One Bank posted a {$14000.00} charge to my credit card, without my knowledge. Capital One Bank made no attempt to contact me and inform me of their actions or to get my consent. I was made aware of the transaction months later when my credit card was declined during the purchase. Upon discovering this culvert transaction, I called it bank in an attempt to reverse the charges, placed upon my account and spoke to a Capital One Bank representative. The representative identified herself as XXXX refusing to provide her full name and reference number when asked. After nearly XXXX hours of confusing explanations and meaningless financial terminology, clearly meant to confuse me, the managing representative admitted that the {$14000.00} credit card charge was a means of equalizing the {$14000.00} that was placed into my checking account as reimbursement for the fraudulent transaction ; adding that the Bank wasnt willing to hand out free money. Ultimately the representative informed me that nothing else could be done to help and that the {$14000.00} credit card charge would remain. Without the funds to employ legal consultation, it took months before I learned how to proceed next during which time Capital One Bank continued to place monthly interest charges onto my credit card account. Interest charges averaging {$600.00} on a monthly basis bringing my total credit card balance to over {$27000.00}. As a result, my XXXX XXXX has dropped into the XXXX range, I have been denied a home loan, I am late or incapable of paying my monthly bills and Im constantly being harassed by phone calls from collection agencies. On XX/XX/XXXX, I filed a summons and began a XXXX  Court lawsuit against Capital One Bank. The bank responded with a motion to dismiss. I responded to the Banks motion with an affirmation in opposition. I have not heard back from Capital One Bank to this date. Furthermore, an inquiry was made by XXXX XXXX XXXX  on XX/XX/XXXX, which further decreased my credit. This has completely destroyed my life from a financial standpoint.

Company response to consumer: Closed with explanation