Consumer complaint received 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I used my online account from my bank, to, pay via online once, to Capital One for the following incident. 

The payment posted on my banking statement on XX/XX/XXXX. 

I called my bank to confirm the online payment and I called my credit card company ( Capital One ), 1st encounter ; verbal, digital proof of bank statement, my banking representative verbal confirmation. 

The phone representative from my credit card company ( Capital One ) called my bank via their methods over the phone and I authorized my bank via the 3 way call to allow Capital One information about the dispute was valid. My bank 's representative confirmed over the phone the {$100.00} being paid and visible on my banking statement. 

Via " Recent Documents '' on my credit card app, did I discover the the {$100.00} credit placed on my account for the payment made, was removed. Capital One stated I had not provided their required proof for their investigation procedures. 


2nd attempt ; verbal, digital proof this time SUBMITTED by my personal banking party. My banking party submitted to myself a letter, with official bank letter head, stating the " Trace Number '' and the " ACH '' transaction with all the details pertaining to proof that I did make a single one time payment of {$100.00}. That letter was uploaded to the requested site while on the phone with a " management '' person of Capital One whom directed my steps and review the provided information from my bank. The {$100.00} credit was reapplied to my credit account though when recently checking on XX/XX/XXXX at " Recent Documents '' for the Capital One app. I rediscovered the same issue that the documents and information provided was invalid for Capital One 's investigation policy which entails DEMANDING an EFT Report ( Electronic Fund Transfer ). 

3rd Attempt ; verbal, no documentation submitted. Confirmed biased investigation procedures that have adversely demonstrated credibility with Capital One 's integrity, and trust. Which does highlight their arrogance to valid documents, to trusted 3rd party verification, and hubris of incompetence as a quality support. 

After this 3rd attempt I called my bank and requested exactly what my Credit Card Company ( Capital One ), was requesting, an EFT Report, though my bank is stating I have to contact their " ACH '' department to see if getting a " EFT Report '' is even possible, because my banking party does NOT provide these EFT reports for one time payment... 

I will continue to call anyone, and my fear and mental anguish is brooding at the fact that I will have to continue to apply for this credit to be applied to my account in perpetuity because Capital One does not have any other way to validate facts that have been provided other than an EFT report. This will be a long and professional process that I am dedicated to resolve though no ill will or untrue facts will be present. 

My chain of evidence is clear and direct. I have made multiple timely responses within days of each event of information. 


Thank you to all whom read my complaint. Have a great day, From, Calm Person.

Company response to consumer: Closed with explanation