Capital One fraud claims class action lawsuit overview:ย
- Who: Leah Walton filed a class action lawsuit against Capital One N.A.ย
- Why: Walton claims Capital One breaches its contract with account holders by rejecting fraud claims without properly investigating the.ย
- Where: The Capital One class action lawsuit was filed in California federal court.ย
Capital One denies account holdersโ fraud claims without conducting a โproperโ investigation, a new class action lawsuit alleges.ย
Plaintiff Leah Waltonโs class action lawsuit claims Capital One โmechanically rejectedโ her fraud claim relating to nearly $1,500 in alleged unauthorized debit card charges without performing a โreasonableโ investigation.ย
โCapital Oneโs superficial rejection of Plaintiffโs bona fide fraud claim without conducting a proper investigation and the use of form denial letters without any written explanation or supporting documentation violates federal law,โ the Capital One class action says.ย
Walton wants to represent a nationwide class and California subclass of Capital One checking account holders who were denied reimbursement after submitting a timely notice to the bank about one or more unauthorized charges on their account.ย
Capital One fraud claims rejected by company despite lack of โfactual findings,โ class action claims
Walton argues Capital One, after denying her fraud claim โ which she alleges was backed by โsubstantialโ factual proof โ issued form denial letters โdevoid of any factual findings or documentation from its alleged investigation.โ
โIf a financial institution like Capital One denies a fraud claim, it must provide a substantive written explanation of its findings and must make the supporting documentation available to any consumer who requests it,โ the Capital One class action says.ย
Walton claims Capital One is guilty of breach of contract โincluding breach of the covenant of good faith and fair dealing โ and violating Californiaโs Unfair Competition Law.ย
The plaintiff demands a jury trial and requests declaratory and injunctive relief and an award of actual, statutory and treble damages for herself and all class members.ย
Capital One recently agreed to pay $16 million to put an end to claims the banker charged its account holders unlawful fees for returned check or ACH debit transactions.ย
Have you ever been denied compensation following a timely fraud claim to Capital One? Let us know in the comments.
The plaintiff is represented by Scott Edelsberg of Edelsberg Law, P.A and Jeffrey D. Kaliel and Sophia G. Gold of KalielGold PLLC.ย
The Capital One fraud claims class action lawsuit is Walton, et al. v. Capital One, N.A., Case No. 5:24-cv-02788, in the U.S. District Court for the Northern District of California.
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45 thoughts onCapital One class action claims bank rejects fraud claims without proper investigation
Capital one didnโt check out the fraud they do becoz my husband paid it off and capital one sent it back..my husband is in another country and donโt have long distance..we use a free app so automatically capital one thinks itโs fraud I want in on this lawsuit
Capital one didnโt check out the fraud they do becoz my husband paid it off and capital one sent it back..my husband is in another country and donโt have long distance..we use a free app so automatically capital one thinks itโs fraud
My is Dwayne Conner Jr
Yes l was definitely denied claimโs that why l stop paying them all they have done is add unnecessary late fees to my account l feel that unfair because l told them to cancel my card long time ago in the early part of 2023 and they did the opposite.
Capital one didnโt check out the fraud they do becoz my husband paid it off and capital one sent it back..my husband is in another country and donโt have long distance..we use a free app
I have not had any issue with Capital One. Best Egg I have had same issue with and would like a class action against them. Continued to deny my dispute for Microsoft charges, never confirmed or provided me with anything. Forced me to pay under duress or affect my credit.
Iโm a Capital One customer also. Now after reading this and the customers complaints/comments itโs sounds scary and like should I continue being their customer. Iโm getting the feeling that I should cancel and get my money. God forbid something like this should happen to me and also my daughter because she also is a customer. WHAT SHOULD I DO. Any advice plz feel free to send it to me plz. God help all the people they screwed over. My deep prayers are with you all. Iโm so sorry that happened.
Capital One also closes accounts saying it was due to a purchase and then will not say what the purchase was. They tell you when you call they have the right it was in the document you signed. This is such a bad business and does not make a person feel like this is a credible business. They only seem to care about their bottom line and not the people giving them their business.
I have recently submitted a claim for a charge for a membership service which I cancelled in March of 2024. I have a confirmation of cancellation from the online store, โJust Fab.โ I wish to be allowed to follow up once I receive some kind of correspondence from Capital One.
Thank you
I am a capital one customer and this has happened to me twice when I have all my documents to show it wasnโt authorized and still was rejected
I have multiple accounts e with Capital One. I have problems with they abruptly closed an account I had for nearly 20 years. They told me that the overdrafts were never paid for 3 months but I had 9 checks come into the account. Then, I had CC account I paid in full and they they say it never got paid. They followed up with the statement we donโt do money transactions on Friday after 9pm and wonโt start again until Monday. They charged off a second account stating that never received the money. There was a weekly and monthly deposited to the account . Then, they deny claims all with proof of unauthorized charges, we donโt have to give you any explanation as to why your claims are denied. We gave the funds already and we are taking them back at a later date. The company seems to take out the funds when there was no money in the account. This is a predatory practice in financial practices. If I could I would File suit for one hundred million for my self and restitution.
Iโve had similar experiences with Capital One. They sent me an email requesting additional information, so I gathered everything and sent it to the email address they provided. I later received an email stating I never sent them the requested information so my claim was denied. I like Capital One but their Fraud Department needs an overhaul.
CAPITAL ONEโฆWALMART AND SOLUTRAN.(UNITED HEALTHCARE U CARDโ CHARGE CREDIT/DEBIT CARD FOR FOOD ITEMS THAT U CARD SHOULD COVERโฆ.THEN ITEMS THAT ARENT AVAILABLE THAT WERE PAID FOR BY DEBIT/CREDIT CARD ARE CREDITED BACK TO โU-CARDโ AT 20CENTS ON THE DOLLAR PURCHASE VALUE. SAME WITH FREE DELIVERY FEESโฆ.CHARGED THEN REVERSED BACK TO โU-CARDโ THAT YOU CAN ONLY BUY 1/10TH OF THE ITEMS WITH. THERE IS A SYSTEM THAT ONLY LETS U-CARD USE 40-45% OF ORDER VALUE EVEN IF THERE ARE FUNDS THAT U CARD COVERS. THEN WHEN YOU ADD PAYMENT METHOD IT LOWERS AMOUNT U CARD COVERS AND FORCES YOU TO USE CREDIT/DEBIT CARD FOR FOOD ITEMS. WHEN PLACING ORDERโฆ.THEY KNOW INVENTORYโฆ.ALLOW YOU TO ORDER โNOT IN STOCK ITEMSโ CHARGE YOUR CARDโฆ.THEN REVERSE ITEMS BACK TO UCARD THAT DIDNT PAY FOR IT. ALSOโฆ.CUSTOMER SERVICE REPS ARE TOLD TO TELL US โFREE DELIVERY ONLY COMES WITH PURCHASING WALMART +โ WHEN SITE CLEARLY SAYS ITโฆ.OVER $40 IS FREEโฆ.UHCโฆWALMART AND SOLUTRAN SITES ADVERTISE โU-CARD FREE DELIVERYโ ARGUE WITH YOUโฆ.TO UPSELLโฆ.MONEY LAUNDERING. I HAVE PROOFโฆโฆCAPITAL ONE USES โVIRTUAL CARDS AND DISPUTE DEPT CANT SEE THOSE TRANSACTIONS SO THEY CANT BE DISPUTED FOR FULL AMOUNTโ CUSTOMER SERVICE CAN SEE IT THOโฆ..THEY WONT DO 3 WAY TO CLEAR IT UPโฆโฆDISPUTE AMOUNTS DONT MATCH AFTER NOT IN STOCK ITEMS ARE REMOVED FROM HOLD AMOUNTโฆ..TRANSACTION AMOUNTS WILL NEVER MATCHโฆ..THJS DISPUTE DENIED 30 OF THOSE OVER 3 YRSโฆ.EVERY WALMART ORDER USING CAP ONE WALMART CC
ERIN BROWN
954-770-6767
BILLION DOLLAR LAWSUITโฆ.CALL ME
I am a Capital One customer and I have been for 5 years and every time Iโve ever put a claim in with more than enough substantial proof theyโve denied it and never given me any paperwork supporting why they denied it but I had paperwork proving that it shouldnโt be denied and they wouldnโt even look at it. Please add me to this. Iโve lost a lot of money over their denials not just on debit cards but also on credit cards on things that I didnโt and shouldnโt have had to pay for. Again I actually had proof they wouldnโt look at and they just took the companyโs word and made me pay for things.