Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5371910
Complaint Overview
Complaint ID: 5371910
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: Nevada
ZIP Code: 89128
Date Received: 2022-03-26T12:00:00-05:00
Date Sent to Company: 2022-03-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I'm trying to dispute a particular charge with my Capital One credit card but the credit card company is siding heavily with the merchant and asking me to provide documents as evidence that are difficult or impossible to obtain such as " A second opinion on company letterhead from another merchant in the same field that states how the service was defective or did not match the description of your sales invoice ''. They've done this before when the merchant pushed back on the charge dispute and after I tried providing evidence, they immediately closed my case. In this particular case, I got scammed by a shady business called XXXX XXXX ( or XXXX XXXX XXXX XXXXXXXX ). Their website lead me to believe they can XXXX XXXX when in fact they just sell a useless quiz for {$150.00}. I made the purchase on XX/XX/XXXX and requested a refund when I realized I didn't get what I paid for. The merchant said I should have checked their terms of service and threatened me with collections if I dispute the transaction. I'm not sure what to do at this point because I feel I got scammed but my credit card company is not siding with me.
Frequently Asked Questions
What is Complaint #5371910 about?
Complaint #5371910 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 2022-03-26T12:00:00-05:00.
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.