Credit card -- Problem with a purchase shown on your statement -- Complaint #12966827
Complaint Overview
Complaint ID: 12966827
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: 75087
Date Received: 2025-04-13T12:00:00-05:00
Date Sent to Company: 2025-04-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Capital One Venture X - Case # XXXX I am writing to express my deep disappointment with how my recent dispute regarding a {$2000.00} down payment to contractor XXXX XXXX has been handled by Capital one disputes department. Despite providing comprehensive documentation and acting in good faith, my case was closed unfairly, and I was not given a fair chance to resolve this issue. Background : On XX/XX/year>, I canceled scheduled remodeling work with XXXX XXXX after receiving an offer on my home. He confirmed verbally that the work had not started, would be canceled, and that he would send paperwork to initiate a refund. No work was ever performed, and no documentation was sent to me despite my repeated follow-ups. I filed a dispute with Capital One on XX/XX/year>. The contractor responded on XX/XX/XXXX with a vague claim of " no proof of cancellation. '' I submitted all supporting documentation on XX/XX/XXXX, including the original invoice, phone/text records, and a full written explanation. The same day, my case was closed, citing lack of requested documentation specifically, written cancellation acknowledgment. Key Issues : I was told that XXXX requires a written cancellation notice from the merchant, but the contractor is an independent operator, has no formal cancellation policy, and is clearly unwilling to cooperate. The idea that I must obtain documentation from the very person withholding my refund creates an unreasonable barrier for cardholders trying to resolve disputes fairly. During a call with Capital One dispute manager XXXX, the service experience was unacceptable. There was background noise, including rooster crowing continuously, and it was difficult to understand her due to the poor line and communication. Despite this, she repeated the same demand for written proof instead of addressing my actual situation. I was never given a real opportunity to escalate or offer alternatives like a sworn statement or evidence of non-performance. Ive been a responsible cardholder and expected better support from Capital One in a clear-cut case of non-performance and refusal to communicate by a merchant. I hope this can still be resolved fairly and professionally.
Frequently Asked Questions
What is Complaint #12966827 about?
Complaint #12966827 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 2025-04-13T12:00:00-05:00.
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.