Credit card -- Problem with a purchase shown on your statement -- Complaint #14870314
Complaint Overview
Complaint ID: 14870314
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: Michigan
ZIP Code: 48316
Date Received: 2025-07-24T12:00:00-05:00
Date Sent to Company: 2025-07-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I opened a dispute with Capital One for a {$4100.00} charge from XX/XX/XXXX, related to a medical procedure performed overseas. Capital One accepted the case and issued a temporary credit of {$2500.00}. In a letter dated XX/XX/XXXX, Capital One clearly informed me that I had until XX/XX/XXXX to submit supporting documentation for the dispute. I submitted all documentation within that window. On XX/XX/XXXX, I received a second letter stating the case was closed due to a timeframe expiration related to Capital Ones internal 60-day policy. However, I was never informed that the chargeback window had expired when the case was opened. In fact, Capital One encouraged me to submit supporting documents by XX/XX/XXXX a deadline they clearly stated in writing. It is misleading and unfair for Capital One to give me a deadline, process my dispute, issue a credit, and then close the case early while blaming a timeline they never disclosed. If they believed the chargeback window had expired, they should not have opened the case or provided an XX/XX/XXXX deadline. I am requesting that Capital One be required to honor the dispute they opened, review my case based on the documentation I submitted, and reinstate the refund they initially credited. My Capital One case number is : XXXX
Frequently Asked Questions
What is Complaint #14870314 about?
Complaint #14870314 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 2025-07-24T12:00:00-05:00.
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.