Consumer complaint received 2021-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To whom it may concern, Capital one failed to protect and defend me as a client. I disputed a claim against a dentist for failure to complete dentistry work. I paid {$7300.00} from my capital one account for a service that was left incomplete. I called the dentist on XX/XX/21, to schedule a meeting to complete dentistry work. This was my first attempt to rectify things with XXXX  giving him the chance to make things right. On XXXX, at XXXX ; XXXX, The dentist called me back and asked me to come back to his office on XX/XX/XXXX. I arrived at his office on the XXXX. At this appointment, he put on a temporary crown and did a new mold for my teeth. The dentist took pictures of the tooth/teeth and said he would send this new mold to his lab and request a new crown. ( He did not do this. ) I instead was left to follow up with urgent care, another dentist, and soon a root canal specialist due to the work the original dentist ( the individual Im contesting against ) left undone. On XXXX XXXX, an Emergency root canal therapy ( XXXX ) was performed, to save the dying tooth. They took off the temporary crown, completed the XXXX, and told me to follow up with XXXX  for the permanent crown to avoid further complications. On XXXX XXXX, I called XXXX XXXX office several times to finish the permanent crown and address the misalignment. When I first called, it went to voicemail. The second time I called, there was no option to leave a voicemail. I tried calling from my second number, and that's when his office answered my call. They would not answer my calls from the phone number they had on file. At XXXX XXXX XXXX came to the phone, I informed him of the emergency root canal and stated that I needed my permanent crown. XXXX accused me of being a liar and said my tooth was not infected and there was nothing wrong with my teeth. I told him about the issues with the veneers. I told him the veneers required fixing ; they needed correcting for my bite and jaw. He continued to scold me, yelling, " You're a liar, there's nothing wrong with your veneers, you loved them, you were smiling in my office. '' At this point, I had no other option but to file a claim to dispute the charges. On XX/XX/XXXX, I went to XXXX XXXX 's office. I made an effort to give him a 3rd opportunity to make things right. I hoped that we could come to a resolution and complete the dentistry work. At his office, he continued to scold me in the lobby of the building, saying, " I don't have time for this ; you're wasting my time. '' I told him if he had no intentions of finishing the job, he should return my money. He said he wouldn't do that. He later sent his assistant to the lobby to offer me a refund, but he refused to refund the total amount. On XXXX, his assistant gave me a document refunding me {$1300.00}. Seemingly acknowledging incomplete dentistry work. XXXX  failed to complete the full service required of him.

Company response to consumer: Closed with explanation