Consumer complaint received 2018-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Dear CFPB.gov : I am submitting this report to CFPB because CAPITAL ONE is refusing to return funds coveted by CAPITAL ONE for more than several months. In an effort to reduce length of this complaint, please reference below the information submitted to XXXX and CAPITAL ONE. Please publish any and/ or all of my writing to any and/or all of your media outlets. I give it to you free of strings. Please help me with this issue : I have exhausted my known means at getting CAPITAL ONE to act lawfully. 

Thanks, /s/XXXX XXXX XXXX _________________________________ Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Refund / Exchange Issues Problem description : Dear XXXX. : Capital One is refusing to refund fraudulent activity on my credit card account. I initially requested proper action to be taken by CAPITAL ONE in XX/XX/XXXX. Since then, numerous calls to the company have resulted in unfulfilled action. I am appealing to XXXX in an attempt to make aware other individuals considering business with CAPITAL ONE and to receive a full refund to my account plus interest of 27 % APR on my coveted funds for the time CAPITAL ONE had them purloined. XXXX response to this complaint and or attempt at resolution must include legally enforceable instruments, that means bearing my wet ink signature. Please reference below a letter sent to CAPITAL ONE through their own electronic upload system. 

Thanks, /s/XXXX XXXX XXXX XX/XX/XXXX To : Capital One Dispute Team From : XXXX XXXX XXXX *Please respond via phone or email* Dear Capital One : I am requesting additional review, case reopening, and timely refund for two ( 2 ) unauthorized charges to my credit card account. The two case numbers are below : CASE # XXXX XX/XX/XXXX {$49.00} XXXX CASE # XXXX XX/XX/XXXX {$49.00} XXXX I submitted this gym membership cancellation on XX/XX/XXXX on the instruction of the gym management. When I requested this cancellation in person on XX/XX/XXXX, the management told me that I had to come in before XXXX to cancel the membership. I explained that I have a job that prevents me from being able to come to the gym again. I additionally explained that I would be in XXXX XXXX XXXX for the next three ( 3 )  weeks, and that I was canceling because I was moving residence. I explained that I would not be returning to the gym again. The management instructed me to email my cancellation request to XXXX. I was instructed to include my legal name, Driver License number, and phone number. I was told that the cancellation would be processed immediately because I had already paid my membership for my last month. This means that my membership was paid through XX/XX/XXXX because I canceled on XX/XX/XXXX. In the month of XX/XX/XXXX I noticed that XXXX was still charging my card. My first attempt at resolution involved calling the number associated with the charge on the account. I left four ( 4 ) voicemails, and I never received a call back. The charging company never answered the  phone, even when I called during regular business hours. Apparently, the gym is attempting to claim I signed a contract that makes canceling membership through email invalid. I never received a contract with this information, and I do not recall ever signing an agreement that would make email cancellation impossible. I would need to see a notarized copy of a wet-ink signature contract, and the gym can not provide this. I disagree completely with any and all claims by the merchant for not accepting the cancellation provided via email as was instructed by the gym management. This is the only claim I have ever submitted to Capital One, and I am disappointed at how complicated it is to get a refund of unauthorized charges. This process has absorbed an unacceptable amount of my time and effort. Please process the refund and credit my account for the amount of the two ( 2 ) unauthorized charges. Thanks, Desired Resolution : Other ( requires explanation ) Desired Outcome Return of funds with interest ( at least 27 % APR ) and publication of this complaint to XXXX and/or CFPB.gov. Thanks.

Company response to consumer: Closed with monetary relief