Consumer complaint received 2019-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX charged my credit card {$74.00} for XXXX XXXX XXXX on XX/XX/2019 for a monthly subscription I did not purchase or authorize. I do not have a personal computer nor did I receive any kind of receipt or information sent to me from XXXX on XX/XX/XXXX for a purchase. I sent a dispute to Capital One in XXXX when I saw the charge to my Capital One accont from my XXXX. Capital One initially credited my account in XXXX. I received a letter from Capital One dated XX/XX/2019 stating they were siding with XXXX since XXXX responded to my dispute. A copy of XXXX response was included from Capital One which is a letter stating I purchased XXXX  XXXX XXXX  on XX/XX/2019 and I made no attempts to cancel the subscription. Capital One reapplied XXXX to my Capital One account in XX/XX/2019 for a subscription I did not purchase. 
I contacted Capital One dispute center on XX/XX/2019 after I noticed the charge from XXXX a second time. I was told that since XXXX responded than I must have purchased the product because they had my name and information. I explained approximately three years ago or longer, I did purchase products from XXXX. That does not give them the right to add a subscription whenever they feel like it. They did not provide proof that I did order, proof they sent the product to me, proof it was downloaded, or proof the product was used because I didnt. Capital Ones dispute supervisor stated since I had done business with XXXX In the past and admitted to it, I am at fault and it is not fraud and I had 30 days to respond to their XX/XX/XXXX letter and since I didnt the dispute is now permanently closed and it can not be reopened and I have to pay the amount. I explained I was transferred to XXXX, Alaska and my mail is delayed and since the dispute was initially credited to my account, I didnt notice they added the charges back to my account in XX/XX/2019. Plus, why would I make attempts to cancel a subscription I didnt order. How do you cancel something you didnt order when there is no email or receipt. 
I asked Capital One dispute supervisor to close my Capital One credit card account so XXXX can no longer place charges on it because I am not paying XXXX for a product I did not purchase, did not use, and I do not have. She stated if I close my Capital One account that I will not be able to dispute any charges of any kind currently on my account. Charges applied by XXXX is not fraud because I admit to business in the past. She wanted to read me my rights if I cancel my account with Capital One which included I will not be able to reactivate my account or view any of my charges or dispute any of them. They will all be closed and final. She kept repeating are you sure you want to close Capital One account because it will be permanent and final. I stated even if my Capital One account is closed I should be able to dispute something I didnt authorize. She stated no, its final. I closed my Capital One accont not because of the measly XXXX but because this feels unethical and fraudulent on XXXX XXXX part along with XXXX. This is very poor business conduct at the very least.

Company response to consumer: Closed with explanation