Credit card -- Problem with a purchase shown on your statement -- Complaint #16585768
Complaint Overview
Complaint ID: 16585768
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: 371XX
Date Received: 2025-10-14T12:00:00-05:00
Date Sent to Company: 2025-10-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year> my Capital One Visa was charged XXXX at XXXX XXXX / XXXX XXXX ( XXXX, XXXX ). This is not an unauthorized charge or a keying error ; it is a consumer dispute for misrepresentation/not-as-agreed ( XXXX XXXX XXXX ; alt. XXXX ). I asked for a small amount of saffron ( plus a small perfume ). The merchant did not disclose the total or clear pricing before I signed, withheld the goods until after signature, and refused to refund when I objected immediately. The paperwork is inconsistent : the store provided XXXX stubs marked XXXX totaling XXXX + XXXX, while a separate Yap XXXX XXXX terminal slip shows a XXXX credit sale for XXXX ( AUTH XXXX ). I offered to return all items upon finding out that I was allowed to pursue a refund ; the merchant has failed to respond. Capital One declined to pursue the consumer-dispute, citing my signature of the merchant slip and lack of an itemized receipt ( the merchant gave me in innacurate receipt with the exact amount of the charge further emphasizing that it was a scam ). A signature only proves a transaction occurrednot that the total/quantity were disclosed or agreed before signing. I was an international torusit and could not read the merchant slip or understand the coversion of Turkish XXXX to USD. I asked Capital One to escalate. They would not consider my evidence and closed the case.
Frequently Asked Questions
What is Complaint #16585768 about?
Complaint #16585768 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 2025-10-14T12:00:00-05:00.
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.