Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #6216923
Complaint Overview
Complaint ID: 6216923
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: Washington
ZIP Code: 98503
Date Received: 2022-11-17T12:00:00-05:00
Date Sent to Company: 2022-12-09T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/XXXX we rented a place to stay in XXXX AZ via XXXX for XX/XX/XXXX. At that time we paid the full amount of {$3300.00}. On XX/XX/XXXX, XXXX notified us via email that the reservation was cancelled as the owner had sold the property. Per the rental cancellation agreement we were to receive XXXX % reimbursement because the cancellation was before XX/XX/XXXX. However, no reimbursement showed up on my XXXX XXXX XXXX XXXX. On XX/XX/XXXX I filed a dispute with Capitol One. In several calls I spent hours on the phone with them. I also sent two letters of explanation and copies of relevant documents. I explained that the owner/host would not communicate with us, nor was XXXX. Now XXXX XXXX has told me via a letter of XX/XX/XXXX that since I did not file the dispute within 60 days, they will not give me a refund. It was 61 days after the cancellation but it took time for statements to reach me. Again, this is for a rental next XXXX! We will receive nothing for our money and this business model is most unfair to consumers. I would be happy to provide all the documents and or answer any questions. Lastly, I have no vision in my right eye and do not see all that well with my right. eye in some situations Thus, it can be challenging to follow light gray or small print. There is more to this case such as XXXX changed from XXXX XXXX to XXXX XXXX to manage their credit cards. There was some non-related fraud on the XXXX XXXX account which was successfully resolved but raised questions about this transaction. I tried to call instead of writing all of this down but could not get through. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #6216923 about?
Complaint #6216923 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 2022-11-17T12:00:00-05:00.
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.