Consumer complaint received 2019-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
XX/XX/2019 To Whom It May Concern : I would like to file a complaint against Capital One credit card company. 


On XX/XX/2019 I made a telephone order purchase for a circulation product from a company called XXXX XXXX. 

At the time that I made the purchase I was only supposed to be charged for the shipping and handling to receive the product, and that was supposed to be {$24.00}. 
As well as, at the time of purchase I was told that I could return the product for a full refund if I was not satisfied with my purchase. 

I later learned after reviewing my statement that I was not initially charged the {$24.00} that I was supposed to be charged for the initial purchase ; instead XXXX XXXX company charged my credit card for the amount of {$89.00}, which I did not authorize, nor did I know about. 

I received the product, and I was not happy with it, it did not provide the service that I was told that it would do, I contacted XXXX XXXX company on XX/XX/2019 letting them know that I was not happy with the product, and I wanted to return it to them for my full refund. 
They provided me with a return authorization number of # XXXX, and I returned their product back to them, and by the tracking they received their merchandise back on XX/XX/2019. 

XXXX  XXXX company was not supposed to make any further charges onto my credit card, but although they knew that the merchandise was being returned back to them, they charged my credit card an additional {$49.00}, that I knew nothing about, and did not authorize. 

I contacted Capital One on XX/XX/2019 to complain about all of the unauthorized charges that were placed onto my credit card account by XXXX XXXX company ; they assigned my complaint case number # XXXX. 

Capital One instead of correcting my account, and crediting my account for ( ALL ) of the unauthorized money that I should not have been charged by XXXX XXXX company, Capital One is now claiming that XXXX XXXX credited me back the unauthorized charge of {$49.00} on XX/XX/2019, and what Capital one is also doing on both of my statements for ( XX/XX/2019 to XX/XX/2019 XXXX and my statement for ( XX/XX/2019 to XX/XX/2019 ) they have placed the same {$49.00} transaction with the same the same transaction date, and they are now trying to claim that XXXX XXXX credited my account twice on XX/XX/2019 with a credit for {$49.00}, and this is not true. 

Capital One has not credited my credit card account with the right amount of refund that I should have been credited back ; and they are allowing XXXX XXXX company to cheat me. 

As stated previously, I should not have been charged any part of that {$49.00} that, that cheating thieving merchant charged to my credit card account, because they knew that their merchandise was on its way back to them. 

And the initial {$89.00} that XXXX XXXX company charged to my credit card account, that was an unauthorized charge as well ; I did not know that this is what they were charging me when I placed the order. 
The invoice from XXXX XXXX, that I am providing with my complaint, this is the slip that came to me when I received the merchandise. 

Capital One has claimed that they gave my account a {$89.00} credit, and they are now taking it back, according to the letter they sent to me dated XX/XX/2019. 

And the way I see it, XXXX XXXX did not refund the {$49.00} that they charged to my account twice. 

XXXX XXXX company was supposed to refund {$49.00} that they took on XX/XX/2019, as well as the {$89.00} that I did not authorize on XX/XX/2019, I dont remember them telling me that, that is what I was to pay for that order up front. 

So now my credit card account is still fraudulently not being credit back the {$89.00} that I should have been refunded by the merchant. And Capital One is refusing to credit my account back the money that I am wrongfully being cheated out of.

Company response to consumer: Closed with monetary relief