Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #7182600
Complaint Overview
Complaint ID: 7182600
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: New Jersey
ZIP Code: 08043
Date Received: 2023-06-28T12:00:00-05:00
Date Sent to Company: 2023-06-28T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I purchased XXXX travel vouchers ( {$500.00} each ) with XXXX ( now out of business ) for ecotravel that gives back to the community it serves. The travel vouchers were to be used by myself and my XXXX adult children. I purchased the vouchers on XX/XX/XXXX, as a XXXX gift, with my Capital One credit card. The vouchers were to be originally used towards a trip to XXXX in XXXX, for myself and my daughter, and the remainder vouchers were to be used on a later trip, by my XXXX sons. The trip to XXXX was cancelled by XXXX, due to international covid travel restrictions. The company promised the vouchers would be available for later use, once the pandemic subsided. The following year ( XXXX ), XXXX experienced the worst of the pandemic and that crushed another planned trip with XXXX for us. XXXX reassured us that the vouchers would remain valid for future trips. The XXXX went into liquidation in the fall of XXXX, as they apparently invested the monies received for trips that never materialized in XXXX and lost millions of dollars that belonged to unsuspecting consumers, like myself. There will be no refunds for any of us, from XXXX, as it no longer exists. I sent a letter of appeal to Capital One in late XXXX, disputing the charges and requesting a refund. While the company investigated my appeal, they returned the {$2000.00} plus interest charged. They asked for further documentation, in order to continue the investigation and gave me a month to do so. At this time, I was traveling back and forth to help take of my XXXX father ( out of state ) and did not return the documents, in the time given. My father passed in XXXX and Capital One returned the charges to my account again. They suggested that I attempt to collect the money from XXXX, a company that no longer exists and is still in liquidation process. Capital One has informed me that my case is closed.
Frequently Asked Questions
What is Complaint #7182600 about?
Complaint #7182600 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 2023-06-28T12:00:00-05:00.
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.