Checking account Problems caused by my funds being low
Capital One Bank account or service department,
Checking account Problems caused by my funds being low Massachusetts
I opened an account with Capitol One 360 in -. The account was opened with a $25.00 deposit with a $25.00 dollars overdraft limit. On - -, - my husband and I purchased a time share. I provided the resort with my debit card number with the intent to transfer $100.00 into this checking account by - -, -, first payment due date. However, my husband and I cancelled the timeshare due to fraud and misrepresentation. I was advised by my attorney to cancel my debit card to avoid any further charges, so I cancelled the card. With a $2.00 balance in my checking account, The time share company debit my card for $100.00 causing my account to be $98.00 overdrawn on - -, -. I disputed with the charge Capitol 360 under the grounds of fraud and misrepresentation by the timeshare company. I lost the dispute. I asked the bank representative why did they allow a $100.00 charge to go through when I had only $25.00 overdraft protection. They told me they still allow certain charges to go through such as gas etc. I attempted to buy gas with this debit card over a year ago and the transaction declined. I have attempted to further dispute this with supervisors and gotten no where. I received an email from the escalation department stating that I can no longer dispute this item. I feel that I should not be responsible for paying this charge when there was an overdraft limit of $25.00. I attempted to close the account, but I was told that I could n't until I paid the pending overdraft charges. This account is constantly accurring interest.
Capital One customer in Massachusetts
Mar 24, 2016
* Source: CFPB Complaint Database
Capital One response to complaint:
Closed with explanation
Submit a complaint with the Consumer Financial Protection Bureau today
File ComplaintWebsite | http://www.capitalone.com/ |
Phone | (703) 720-1000 |
[email protected] | |
Address | 1680 Capital One Dr McLean VA 22102 |
Capital One | |
Capital One |
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