Credit card -- Problem with a purchase shown on your statement -- Complaint #11062981
Complaint Overview
Complaint ID: 11062981
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: Texas
ZIP Code: 752XX
Date Received: 2024-12-06T12:00:00-05:00
Date Sent to Company: 2024-12-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I purchased a jacket on XXXX for around XXXX USD on XX/XX/year>, with order number XXXX. After placing the order, I contacted the seller to request a cancellation, but they informed me it had already been shipped. Upon receiving the item, I noticed it was not as described and had damage in the neck area. I promptly returned the item to the seller. Although the seller has received the returned item, they refused to issue a refund, citing their no-returns policy, which I hadn't noticed during the purchase. According to XXXX 's Money Back Guarantee, I believe I am entitled to a refund for receiving a damaged item. I also opened a dispute with Capital One with the case number XXXX, but they did not issue a refund either. They asked for additional documents which I provided, but I have not heard back from them. I am also attaching supporting documents here. Now, I find myself in a situation where I no longer have the item, yet I am still being charged for it. I am unsure how to proceed to recover the money I paid for an item I do not owe. Your assistance in resolving this matter would be greatly appreciated.
Frequently Asked Questions
What is Complaint #11062981 about?
Complaint #11062981 was filed against Capital One Financial Corporation regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2024-12-06T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Capital One Financial Corporation?
Yes, visit the Capital One Financial Corporation company profile at readthecomplaint.com/company/capital-one-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.