Consumer complaint received 2023-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
From XX/XX/XXXX, to XX/XX/XXXX, I rented a XXXX XXXX XXXX from XXXX for a weekly payment of {$500.00} to use for XXXX. I have included a detailed list of my transactions with the merchant below. 

XX/XX/XXXX : I made an initial deposit of {$390.00} to obtain the vehicle. 
XX/XX/XXXX : I made a XXXX payment of {$500.00} through my brother because I was having technical difficulties ( I provided my brothers XXXX statement ). This was the amount due on my account. 
XX/XX/XXXX : I made a XXXX payment of {$500.00} through my brother because I was having technical difficulties ( I provided my brothers XXXX statement ). 
XX/XX/XXXX : I made a XXXX payment of {$500.00} ( I provided my Capital One statement ). 
XX/XX/XXXX : I made a XXXX payment of {$500.00} ( I provided my Capital One statement ). 
XX/XX/XXXX : I made a XXXX payment of {$500.00} ( I provided my Capital One statement ). 
XX/XX/XXXX : I made a payment with my XXXX card for {$520.00} because in their system they couldnt find my XXXX payment from XX/XX/XXXX, for {$500.00}. I was advised to make another payment to avoid extra late fees, and I would get the credit in my account when it showed up on the system. They never credited my account, and I had to dispute the charge with my credit card company. ( I provided my XXXX statement. ) XX/XX/XXXX : I made a XXXX payment of {$500.00} ( I provided my Capital One statement ). 
XX/XX/XXXX : I made a XXXX payment of {$500.00} ( I provided my Capital One statement ). 
XX/XX/XXXX : I made a XXXX payment of {$500.00} ( I provided my Capital One statement ). 
XX/XX/XXXX : I used my initial deposit on my account of {$390.00} and paid a balance of {$92.00} with my non-capital one VISA credit card ( I provided the receipt ). 

The difference between the amount I paid on XX/XX/XXXX and XX/XX/XXXX is that I got a parking ticket ( {$10.00} fees ) and XXXX said I went over the toll without paying ( 7 fees in total ). I was able to fight the parking ticket, which I won, and I also presented the receipt that my XXXX XXXX toll card was charged when I went over the toll. XXXX gave me credit after I had already paid, and I also presented the proof to the Capital One Venture Card Dispute Department as well. I made sure I paid all the balance I had on the account on XX/XX/XXXX, which is when I returned the vehicle. 

One year later, the merchant charged my Capital One Venture card for the account of {$140.00} after I hadnt done business with them since XX/XX/XXXX, when I paid all my balance because the merchant has access to my card. I reported the case to Capital One and told them that the transaction wasn't authorized by me, and they went on to dispute the charge. Throughout the dispute that I initiated on XX/XX/XXXX, capital has requested supporting documents, and I have provided them with all the documents they ask for. Suddenly, Capital One sent me a vague letter to my account saying that the case is closed, with no clear reason why the case is closed. I have tried to reopen the case several times, but it has been unsuccessful. The frustrating part is that there is no one I could talk to, and everything is done online. Now, Capital is forcing me to pay for a transaction I didnt authorize. I literally stopped driving for XXXX because I am a XXXX XXXX, and my classes started on XX/XX/XXXX. I havent worked throughout my time in XXXX XXXX, which is why I havent done any business with XXXX. Capital is treating me unfairly, and I have been a customer with them for a very long time without being delinquent. I have always made my payments in a timely manner. This is very serious to me because it would affect my credit score, which I use to get loans for XXXX XXXX. I need capital to be active on my behalf, which is what they ought to do, and at least ask the merchant what the {$140.00} charge is about and give a detailed breakdown of each penny on the {$140.00} charge.

Company response to consumer: Closed with explanation