Capital One
Took Unauthorized Payment from Checking

Today while checking my account balance in checking, I noticed there was a pending check for $45.00 that I did not recognize. I went to the bank to declare it fraudulent activity and they told me it was from Capital One Collections.

I call C1 and the first person I spoke to kept trying to tell me that first, someone did it online, which I said NO... Then tried to tell me that it was promised over the phone, which again I said "NO! I have been avoided all your phone calls because I know my acct is behind so I KNOW I DID NOT authorize a payment.

So then he transfers me to a acct manager, who says that the acct was noted on 1/30 for a payment made over the phone. I said UMM NO I didn't. I then said Don't you all record these authorizations? I want to hear the recording. She never responded to that and instead asked me to hold for a couple of minutes for her to investigate. BS She comes back on, tells me that sometimes the collections department misunderstands a conversation and puts unauthorized payments through!!! Can you believe this? I never had a conversation to be misunderstood! She then tells me that she cannot do anything until the item post out of "pending" but if I wait until it post then I can call back and they will refund the amount of the draft. So then what about the $34 overdraft fee I incurred for the $9 I was short?

I can't believe this. This is outrageous.

Company: Capital One
Country: USA
State: Utah
City: Salt Lake City
Address: PO Box 30287
Phone: 8009557070

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