Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been waiting for this bank 's decision on a fraud claim for over 30 days now. They have my account permanently restricted. They are not offering a provisional credit. And they are failing to thoroughly investigate this transaction because when I submitted the claim I asked them if they would like for me to provide them wioth documents that would support my claim. They refused. Ten days later they deny the claim for electronic activity and login history. Immediately I contact them and demand for them to accept my documents. The same documents I have attached to this complaint. One of the documents show the electronic activity being XXXX attempting to charge my debit which to begin with I am unsure how they obtained that information so shortly after I lock the debit card. This login history is what Capital One based their denial off of. After sending the documents they re-opened the claims and started a rebuttal. I have yet to hear from them. I've inquired a couple times and they give me no update, they restrict my checking account and they claim that because this is a rebuttal they are not required to provide a provisional credit after a claim had been denied one time already. This would explain why they were refusing my paperwork in the beginning. 

XX/XX/year> XXXX rental car company charges my debit card {$980.00} XXXX ) First off, Rental record XXXX Is an insurance replacement rental. This means the insurance carrier are the ones who initiates these type of rentals, therefore XXXX had no business pre authorizing my debit card in the way that they did. I'm not even sure how they obtained that information. 

2 ) Second, since this is an insurance replacement rental reservation, why is XXXX attempting to charge my card continuously not even 2 weeks into the rental reservation 3 ) Also the dates for this insurance reservation are inaccurate. The dates for XXXX reservation XXXX that I pre-paid myself contradicts this insurance reservation. 

4 ) I spoke with my insurance requesting for a copy of this invoice to which they communicated to me that that would be considered private information. I then expressed to them that both parties we're listed on this invoice and they debated with me that that was impossible for both parties to be listed on the same invoice because there are privacy concerns regarding each party 's financial information. I then contested to them that XXXX had went ahead and disregarded any privacy concerns by combining us both on the same invoice. After XXXX provided me with this invoice copy I quickly noticed that a lot of the itemized charges are missing, And on top of that none of the numbers match up. The only numbers that match up is : {$2400.00} - {$1500.00} = {$980.00} How they got that number or how they even reached that conclusion, I couldn't even begin to explain for the life of me. None of the numbers matchup, not even close. 

5 ) This invoice and its correlating charges across the board are very questionable and is very clear as to why I am claiming this as a fraudulent move on its behalf from XXXX. I'm sure if I dug a little deeper, there would even be a couple violations of law being committed right here.

Company response to consumer: Closed with explanation