Consumer complaint received 2022-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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

Complaint:
n XXXX XXXX I attempted to purchase airline tickets for an up coming Brother/Sister Bonding trip from XXXX on XX/XX/XXXX thru XX/XX/XXXX. I purchased using XXXX in which it was later cancelled due to declining it wouldve make my card limit wouldnt been over the daily purchase limit funds for {$1400.00}. On XX/XX/XXXX @ XXXX a.m. they sent an email stating they can Cancellation : XXXX was indeed cancelled. On XX/XX/XXXX about XXXX p.m. I went the XXXX airport and stood in line 3 hour to purchase the ticket from an agent. I didnt inform the agent then that they cancelled my original reservations, and they should refund those funds. The agent didnt find anything so she couldnt cancel it either. I called Capital while at the counter to complete my transaction and see if the hold for {$940.00}. That email confirmation notice was via email. I at the airport and called Capital One to see if check my card had availability and it did. It was charged in the amounts of XXXX & XXXX {$570.00} & {$210.00}. 15 minutes after the counter purchase with an agent one person decided not to go there XXXX refunded {$71.00} over the phone that same day. XXXX This is the return flight info. The Capital Once agent stated that {$940.00} should fall off and still had enough to repurchase the tickets while he was on the phone that day it was about XXXX. eastern standard time. Please refund my funds back to original form of credit card payment. XXXX is known for not wanting to refund after 24 hours. However, they had already done that and the lady at ticket counter didnt find flights that was done the night before as well. I urge you to please reconsider and return those funds back to card asap. I try ot keep my usage down or pay off within that same month so there is no balance carrying over. This has caused me more stress than I need right grief the lost my XXXX daughter that was XXXX. XXXX XXXX XXXX response to my dispute # Refund XXXX I've reviewed the reservation XXXX and our record shows that there were multiple attempts of {$1400.00} payment from a different card when you booked your reservation XXXX online last XX/XX/XXXX. However, the first charge got declined by your bank. 

The notes on your reservation indicate that you have not completed your travel for reservations XXXX. Please note that failure to board any flight on the itinerary results in automatic cancellation ; the entire booking is forfeited and has no value. If a Guest does not board the aircraft for any reason, the flight is automatically canceled in the system and all remaining segments on the itinerary are also automatically canceled. The flights can not be reinstated and the airfare is non-refundable. You are not going to pay any extra no-show charge, but the tickets will be forfeited. That being said, we're unable to uphold your request for a refund. This was agreed upon securing a reservation with XXXX. 

Here 's a direct link : XXXX  Also, after further investigation, we found out that an ongoing dispute has been made directly with the bank or financial institution on XX/XX/XXXX, for the reservation XXXX. In this case, no changes can be processed through us or over the phone while the dispute is ongoing. I've requested the status from our Refunds Team regarding your dispute. As soon as I hear from them, I'll update you. Please allow some time for our response, as contacting all the parties involved may take time. 

If you have additional questions, you can check out our FAQs at XXXX XXXX XXXX Thanks and have a nice day! 

Best, XXXX Guest Relations Thank you for your response and I just now XX/XX/XXXX received the email confirmation for flight confirmation # XXXX if I ad this email on XX/XX/XXXX I couldve gotten this cancelled when I was the airport prior to making the new reservation. I wouldnt being going back forth with yall or Capital One regarding the refund. The flight wasnt a no show because the kids was on the flight just under a different reservation. Please advise if yall XXXX XXXX is willing to refund this flight using original form of payment. I have attached Capital One dispute ending.

Company response to consumer: Closed with explanation