Consumer complaint received 2023-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Capital One bank, they are an online banking system, so Im not sure the exact address. I put my address in because I cant find theyre address. I have it the problem with, which originated with a Company. I seen a contract with XXXX XXXX XXXX I believe the amount was {$420.00} for the actual contract date. I explain to the salesman on the phone that I had been drinking that day. I didnt want to conduct business until the next day he persuaded me into it. So I paid the money, the very next day I canceled through email on the phone they approve the cancellation and I became upset with him because he kept trying to resell me until finally I got mad and gave them a piece of my mind and then they told me they wouldnt do business with me anyways, I said good give me my money back. Not to sound unprofessional, however, I also signed a complaint. Im sorry I signed a cancellation form digitally and emailed it to them as well. I was asking for an address to send it in, but they had already resolved even over the phone that I was canceled. I called my bank to let them know, so they re-issued my money back on the dispute. I sent the bank proof of information through email that I canceled so I thought I was OK. And then a couple weeks or so later maybe a month I woke up and seen they had given the money back to XXXX XXXX XXXX XXXX I think they had some confusion because XXXX showed them a signed contract and I think thats why they gave it back, but the bank themselves disregarded the fact that I had proof of cancellation. XXXX XXXX XXXX advertises 15 calendar day full refund. I was well within that statute. I literally called the next day to cancel. Took me a minute to figure out how to sign the form online and just send it in for the cancellation which I will include in documents. The bank cross the line by giving them the money back, everything is outsourced to the XXXX so communication is not always appropriate to the laws here as I understand them. XXXX offered to give me half my money back immediately, well, I was provided. No further assistance when I canceled so I want a full refund obviously and appropriately. I have a problem with both institutions if you could forward a copy of this to the appropriate party also that would deal with XXXX directly that would be great. But the bank crossed the line by not following the guidelines with my cancellation. They just looked at the contract and said oh you had a contract so were going to give them their money back. I canceled well within the range of my cancellation. They also agreed to it on the phone and they record all phone calls with XXXX XXXX XXXX. Now I have an issue with the bank because I verified my cancellation with them and they still gave my money back so now I am appealed a case with the bank that is re-opened. However, I need to go through this financial bureau to get this settled. I believe the bank is completely in the wrong and so is XXXX XXXX XXXX. I work as a project manager with construction, I dont care if its after the cancellation. Or not if a customer has some thing that come up I ripped the contract up and sent it back. That is not the case or I was well within range of cancellation and theyre trying to keep the money from the date of contract.

Company response to consumer: Closed with explanation