Capital One Bank Account Or Service Complaint

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

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Contact Capital One

http://www.capitalone.com/
(703) 720-1000
[email protected]
1680 Capital One Dr
McLean VA 22102
Capital One
Capital One

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