Consumer complaint received 2017-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
The law requires a meeting of the minds or a contract or agreement between two entities such as XXXX XXXX XXXX XXXX XXXX and me for there to be a requirement for me to pay them for a service or product. However, I have never seen a single paper for the move on XX/XX/XXXX, rental of storage units for {$200.00} each on XX/XX/XXXX or for any other charges related to my move. Therefore, there is NO contract or agreement. According to the law, I dont owe XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. 
I have asked Capital One to have XXXX XXXX XXXX XXXX XXXX prove I agreed to pay what they are charged my credit card for. I want to see the itemization for the move to make sure it is accurate. My calculations indicate the movers only worked 8 hours total before they walked off the job and I had to hire someone. else to finish the job. The price was {$160.00} per hour. If I allow 10 hours then the cost would be {$1600.00}. There was a third month of a rental for a storage unit for {$150.00} that I owed. {$1600.00} + {$150.00} = {$1700.00}. The cost of someone else to finish the job [ XXXX XXXX XXXX XXXX XXXX was told at XXXX XXXX on XX/XX/XXXX if I had to hire someone else to put the furniture where it is supposed to go, I was not going to pay them. ] Therefore, I am allowed to deduct {$350.00} which I have a receipt from the other company. I was charged {$300.00} for the use of blankets for the few pieces of furniture to be moved on XX/XX/XXXX. I was told when XXXX XXXX XXXX XXXX  XXXX received the blankets back, I would receive a cash refund of {$250.00}. Therefore, since I never received the refund and it is owed to me. The {$250.00} is deducted from the {$1700.00}. 
{$1700.00} - {$350.00} - {$250.00} = {$1100.00}. My possessions were insured for replacement value. The 5 cupboards in the garage cost {$200.00} each ( I have the receipt ). I told the movers I wanted to remove the levelers before they were loaded on the truck. The movers refused to allow the levelers to be removed and deliberately twisted the cupboards damaging them and then told me I would have to sign a release for the damage. NO RELEASE WAS SIGNED BY ME. If the levelers were removed, there would not have been any damage. XXXX XXXX XXXX XXXX XXXX knew about the damage on XX/XX/XXXX and when the cupboards were delivered on XX/XX/XXXX. When the cupboards were removed from the truck, I again requested to be allowed to remove the levelers. The apartment is carpeted and levelers are never used with carpet. XXXX XXXX XXXX XXXX XXXX refused again. I had to hire someone to remove the levelers to make the cupboards stable on the carpet. The movers put the cupboards on the carpet far enough away from the wall ( I requested they be put against the wall ) so that if I opened the doors on a cupboard, it would fall over on top of me. The cupboards are damaged from XX/XX/XXXX. XXXX XXXX XXXX XXXX  XXXX have the right to repair the cupboards. However, they have refused to do so. Therefore, they owe me for the replacement cost of 5 x {$200.00} = {$1000.00}. {$1100.00} - {$1000.00} = {$180.00}. 
XXXX XXXX XXXX a XXXX took 4 of my packing blankets that they used to move my possessions. Therefore, I am owed the cost of my blankets which is about {$50.00} each. This more than covers the {$180.00} remaining on the cost of the move. XXXX XXXX XXXX XXXX XXXX charged my Capital One card for {$3300.00} without any explanation of what I was being charged for. THERE IS NO MEETING OF THE MINDS. 
XXXX XXXX XXXX XXXX XXXX has never provided a single document indicating I paid them {$400.00} on XX/XX/XXXX. If I paid them, they should have a receipt of something with my signature on it. I never paid XXXX XXXX XXXX XXXX XXXX {$400.00} on XX/XX/XXXX. I dont owe additional rent on something I never rented. Once again, there is NO MEETING OF THE MINDS. 
The Two {$250.00} charges to my credit card are total fabrication and I have no idea what they are for. XXXX XXXX XXXX XXXX XXXX have never provided any documentation that I owe another {$500.00} for the move. Once again there is NO MEETING OF THE MINDS. 
SINCE XXXX XXXX XXXX XXXX XXXX HAVE NOT PROVIDED A SINGLE DOCUMENT PROVING I AGREED TO PAY THEM XXXX XXXX FOR THE MOVE, I SHOULD NOT HAVE BEEN CHARGED XXXX XXXX FOR THE MOVE. I NEVER GAVE WRITTEN PERMISSION FOR XXXX XXXX XXXX XXXX XXXX TO CHARGE ANYTHING TO MY CAPITAL ONE CREDIT CARD AFTER XX/XX/XXXX.  CAPITAL ONE HAS TOLD ME XXXX XXXX XXXX XXXX XXXX  HAS WRITTEN PERMISSION TO CHARGE MY CREDIT CARD. NOT ONE DOCUMENT HAS BEEN PROVIDED BY XXXX XXXX XXXX XXXX XXXX TO PROVE I GAVE THEM PERMISSION TO CHARGE MY CREDIT CARD AFTER XX/XX/XXXX. THEREFORE, CAPITAL ONE VIOLATED THE LAW BY ALLOWING THE CHARGES TO BE PLACED ON MY CREDIT CARD. 
CAPITAL ONE HAS BROKEN THE LAWS THAT PROTECT CONSUMERS FROM FRAUDULENT ACTS BY BUSINESSES.

Company response to consumer: Closed with explanation