{"id":16875,"date":"2021-08-29T12:00:41","date_gmt":"2021-08-29T16:00:41","guid":{"rendered":"https:\/\/www.techwalls.com\/?p=16875"},"modified":"2021-10-19T08:51:24","modified_gmt":"2021-10-19T12:51:24","slug":"unauthorized-transactions-capital-one-debit-card-dispute","status":"publish","type":"post","link":"https:\/\/www.techwalls.com\/unauthorized-transactions-capital-one-debit-card-dispute\/","title":{"rendered":"Unauthorized Transactions with Capital One’s Debit Card – How to Dispute and How Long Does It Take?"},"content":{"rendered":"\n

Just a few days ago, I logged in to my Capital One 360 Checking Account and was terrified when seeing some strange transactions there. There are two charges from Walmart with description “Debit Card Purchase – Walmart Grocery 8009666546 AR”. Obviously, these transactions were unauthorized because I’ve never shopped for groceries at Walmart and I put this card away for nearly 6 months.<\/p>\n\n\n\n\n\n\n\n

Someone might have stolen the card info when I used it a long time ago and now started spending my money. He bought groceries from Walmart so he could pick up and avoid revealing his address. I looked up for ways to dispute these transactions and Capital One actually makes it quite easy on its Online Banking page. I just went to my checking account, click on the fraudulent transaction to expand it and click on “Report a Problem” to start a dispute process. Capital One will ask you to confirm you didn’t make this purchase, it is not made by other authorized account users, and not a subscription or recurring transaction. <\/p>\n\n\n\n

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After following the instructions, the system automatically disabled my current debit card and mail me a new one. In the meantime, it told me the dispute process had started and I could expect a response within 10 business days.<\/p>\n\n\n\n

A few hours later, I received their first system-generated email:<\/p>\n\n\n\n

We’re working on the claim you filed for your account ending in **** on *\/**\/2021 for $***.00. Your claim number is ********** and we’ll be in touch when our review is finished. If you have any questions, give us a call at 1-866-536-9023. We’re here 7 days a week from 8 a.m. to 11 p.m. ET<\/em><\/p><\/blockquote>\n\n\n\n

Then they sent another mail after about 10 hours saying they sent me temporary credit:<\/p>\n\n\n\n

We’re investigating your disputed transaction(s). In the meantime, we deposited a temporary credit into your account on **\/**\/2021, for $***.00. This money is immediately available, but may be removed as a result of our investigation.<\/em><\/p>

We’ll also reimburse you for any related interest, finance charges and\/or fees within one business day. This reimbursement will be reflected in your account transaction history and on your monthly statement.<\/em><\/p>

We may contact you if we need additional info and we’ll be in touch with the outcome of our investigation.<\/em><\/p><\/blockquote>\n\n\n\n

The law requires card issuers to resolve the dispute within 60 days, so I still need to wait until they complete the investigation to know if I will really receive the refunds. Capital One said that their customers are never held responsible for unauthorized charges with $0 fraud liability, therefore, I am quite confident they could detect the fraud. I will update this post once I receive more responses from the bank.<\/p>\n\n\n\n

Update 1<\/strong>: It’s been 5 weeks and I’m still waiting for Capital One’s final decision. The credits I received are just temporary.<\/p>\n\n\n\n

Update 2<\/strong>: Finally the dispute has been resolved nearly 2 months later. I received their email saying “Good news! We finished investigating your dispute(s). Any temporary credits we deposited in your account are now permanent, and your dispute has been resolved.”<\/p>\n","protected":false},"excerpt":{"rendered":"

Just a few days ago, I logged in to my Capital One 360 Checking Account and was terrified when seeing some strange transactions there. There are two charges from Walmart with description “Debit Card Purchase – Walmart Grocery 8009666546 AR”. 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