Credit card -- Problem with a purchase shown on your statement -- Complaint #15339583
Complaint Overview
Complaint ID: 15339583
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: Tennessee
ZIP Code: 373XX
Date Received: 2025-08-17T12:00:00-05:00
Date Sent to Company: 2025-08-17T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX'I request CFPB assistance to obtain a refund after my timely cancellation of a flight booking purchased via XXXXXXXX XXXX XXXX XXXX XXXXSummary: I requested cancellation via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Exhibit B). XXXX email XXXX XXXX stated: Were still waiting for the carriers to send us all reservation numbers (XXXX), confirming ticketing had not completed (Exhibit A). XXXX then issued tickets at XXXX (Exhibit D) and has refused to apply Article 8.1 of their own Terms & Conditions (Immediate Cancellation 90% refund) and refused to refund to my original payment method. Capital One closed my chargeback case on XXXX XXXX XXXX XXXX XXXX XXXX saying my submission lacked documentation. I have now attached full evidence (Exhibits AG plus the bank denial letter).\nRequest: Please ask Capital One to reopen and escalate this dispute and investigate whether the merchant XXXX failed to honour its own T&Cs. I seek a full refund to my payment card per XXXX Article 8.1 (90% refund).\n\nAttachments: Exhibit A XXXX XXXX email showing XXXX pending; Exhibit B XXXX live-chat transcript requesting cancellation; Exhibit C refund-options XXXX screenshot showing no Immediate Cancellation option; Exhibit D 22:57 XXXX email confirming ticketing; Exhibit E XXXX XXXX XXXX XXXX XXXX Terms & Conditions (Articles 8.1 & 12.8.1 highlighted); Exhibit G Customer Advocacy email; Capital One denial letter (dated XXXX XXXX XXXXXXXXI appreciate CFPBs help getting Capital One to re-open this chargeback and ensure the merchant honors its stated policy or returns the funds.'
Frequently Asked Questions
What is Complaint #15339583 about?
Complaint #15339583 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 2025-08-17T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with monetary relief". 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.