Credit card -- Problem with a purchase shown on your statement -- Complaint #9713820
Complaint Overview
Complaint ID: 9713820
Company: Capital One Financial Corporation
Product: Credit 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: Pennsylvania
ZIP Code: 19144
Date Received: 2024-08-03T12:00:00-05:00
Date Sent to Company: 2024-08-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I purchased items from XXXX ( online ) using my Capital One card ending in XXXX. These items were initially lost in the mail ( the US postal system ). I asked XXXX for help, but they provided no assistance. As a result of not receiving the items for over a week past the delivery date, I filed a dispute with Capital One, and they initially reversed the charge ( {$200.00} ). I later contacted the US postal system for assistance. They were able to find the lost items which I received on XX/XX/year>. I then contacted Capital One Bank and informed them that I wanted to cancel the dispute ( total {$200.00} ) because I received the lost items. Capital One Bank charged back my account for the full amount of {$200.00} on XX/XX/year>. Several items ( of clothing were bought from the merchant ). Upon receipt of the package, I realized that some did not fit, so I returned some of the items totaling {$100.00} on XX/XX/year>. This was returned via the US postal system. The items were received by the merchant in the original condition within the specified time frame, however, they have still failed to issue me a refund. Relevant screenshots have been attached showing that the refund is still " processing '' and has long passed the date that it should have been returned to my account. I have contacted XXXX for assistance, but unfortunately, they have not responded to me. I have also contacted Capital One to dispute this specific amount of {$100.00} which the merchant has failed to return, however, Capital One is failing to assist claiming that I am disputing the same charge twice. I explained that this is not the case, because I am currently disputing a portion of the original amount, since I returned items from that original purchase which has been charged to my account, so, I am still entitled to a refund from the merchant. I am requesting an investigation by the CFPB into this matter. All relevant documentation has been uploaded. Capital One Card Number : XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #9713820 about?
Complaint #9713820 was filed against Capital One Financial Corporation regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2024-08-03T12:00:00-05:00.
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) 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.