Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #4516330
Complaint Overview
Complaint ID: 4516330
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: Georgia
ZIP Code: 30114
Date Received: 2021-07-05T12:00:00-05:00
Date Sent to Company: 2021-07-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I paid a contractor by the name of XXXX XXXX a duplicate payment of {$3600.00} via XXXX on XX/XX/2020 in which I asked my credit card company to refund the duplicate payment. I provided proof of the paid invoice signed by both myself and the contractor. I also provided a copy of the email he sent in which he requested for a refund to be made to me as he confirmed I didn't have a balance outstanding. Instead of refunding a refund, Capital One provided a chargeback and has since been charging me interest on a balance I didn't owe. I have spoke with both XXXX and Capital One to get the issue resolved. At this point XXXX said they are willing to refund me my money once Capital One reverses the chargeback that occurred in XXXX of XXXX and provide proof other than my billing statement to show where the money was returned back to XXXX. XXXX has taken the position that they are yet to receive or be able to track the money that was supposed to be sent back to them and are awaiting proof of the funds that were supposedly send to XXXX from Capital One.
Frequently Asked Questions
What is Complaint #4516330 about?
Complaint #4516330 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 2021-07-05T12:00:00-05:00.
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 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.