Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #4496504
Complaint Overview
Complaint ID: 4496504
Company: Capital One Financial Corporation
Product: Credit card or prepaid 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: Minnesota
ZIP Code: 55448
Date Received: 2021-06-27T12:00:00-05:00
Date Sent to Company: 2021-06-27T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2021 my card was charged {$8000.00}. The merchandise was not as described and I demanded a refund from the merchant of {$8000.00}. Instead the merchant credited {$7800.00} without explanation. No merchandise was received or returned by cardholder. Cardholder received photos of merchandise and it was not as described or agreed. Visa chargeback terms do not allow a merchant to assert a return policy when merchandise is not as described. The XX/XX/2021 charge was on my billing statement dated XX/XX/2021. I had 60 days to dispute the charge from the date my statement was received. On XX/XX/2021 I disputed the charge of XXXX ( the difference between what I paid and what was credited ). Capital One wrote back on XX/XX/2021 stating they credited my account {$230.00} provisionally and asked for more information. I provided all of the information asked for on XX/XX/2021. Almost one month later on XXXX Capital One writes back that my documents are invalid and that my complaint was not timely. Capital One further debits me account {$8000.00}. Credits and Debits : XXXX Original Charge XXXX - Merchant credit XXXX - Capital One credit XXXX Capital One debit XXXX. Total chargeback to me for this dispute. I never even disputed the XXXX. Further, the XXXX was never credited to me a provisional credit. Only XXXX was provisionally credited. Capital One has no authorization to debit my account by {$8000.00} as this amount was never disputed.
Frequently Asked Questions
What is Complaint #4496504 about?
Complaint #4496504 was filed against Capital One Financial Corporation regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2021-06-27T12:00:00-05:00.
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 or prepaid 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.