Credit card -- Problem with a purchase shown on your statement -- Complaint #18875220
Complaint Overview
Complaint ID: 18875220
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: Utah
ZIP Code: 840XX
Date Received: 2026-01-20T12:00:00-05:00
Date Sent to Company: 2026-01-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Merchant : XXXX XXXX XXXXXXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$1100.00} Disputed Amount : {$500.00} What happened : I am filing this complaint against Capital One regarding Case Number XXXX. I disputed a {$500.00} charge for a service that was " Not as Described '' by the merchant, XXXX. The merchant advertised a " XXXX XXXX XXXX '' with a XXXX XXXX XXXX included. Upon arrival, the property was only a XXXX XXXX with a XXXX, and the host imposed a XXXX XXXX XXXX XXXX that was not in the original contract. I provided Capital One with " Before '' and " After '' screenshots proving the merchant retroactively altered the public listing description while I was on-site to add the curfew to cover their failure to provide the service. Capital One closed the case on XX/XX/XXXX, claiming a " lack of information, '' despite a XXXX evidence package being submitted to their portal on XX/XX/XXXX, satisfying all of their requirements. A Capital One supervisor subsequently informed me on XX/XX/XXXX, that because I stayed at the property, " XXXX XXXX '' automatically denies the claim. This is a misapplication of XXXX Reason Code XXXX ( XXXX Not as Described ). The merchant 's partial refund of {$260.00} does not cover the discrepancy between the advertised XXXX XXXX and the actual accommodation provided. I am requesting a proper review of the documentation showing the merchant 's alteration of the contract after XXXX XXXX of sale.
Frequently Asked Questions
What is Complaint #18875220 about?
Complaint #18875220 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 2026-01-20T12:00:00-05:00.
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.