Consumer complaint received 2019-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
These people don't value their customers or their relationship with them. I disputed XXXX XXXX dollars worth of authorized charges on my credit card account from a lawyer who ended up scamming me after we paid for his services. I went through the whole disputes process, and Capital One Disputes department didn't accept my proof of me being scammed which is in black and white. I showed them several pages from the court transcripts, showing by the attorney 's very own words that he was unprepared, and did not file a motion prior to court which had he done, the case very well may have been won. It also showed that what he claimed he didn't know, all the sudden after getting my last dollar, he very well did know, because the prosecutor and judge stated it twice in the court room ... And even with that, they said I didn't submit enough proof and they needed a second opinion. So I provided them with a second opinion. And THAT wasn't good enough! All because it was in the form of an email, and not a written notarized letter! My current lawyer wrote his email that I had showed them free of charge for me. Obviously if he took the time to write a physical letter and get it notarized, he would've charged me. And I already paid {$600.00} for this dispute. I wasn't about to pay more money.. For what? For them to just say yet again that they needed more information?? Ridiculous!! The court transcripts were plenty of proof, but that wasn't good enough. Seems as though they automatically favored the merchant, as all he stated was, " She agreed to our terms and conditions. '' That was apparently enough for them to deny my claim.. Seriously?? Here I am paying XXXX XXXX freakin dollars for actual court documents, and taking the time to explain everything and point out my proof in the transcripts.. This guy responds with a measly few words, putting no real effort into his rebuttal at all, and they just go in his favor??? XXXX!!! 

I left a bad review on Capital One 's XXXX page. The person running the page claimed they sent my information over to their partner team within Capital One, whatever that means ... Someone called me alright. And as usual, got absolutely nowhere with my blood boiling and precious time wasted. Told me the reason they denied my claim was because the charges are " too old '' ... XXXX. I've been sent several letters regarding my dispute, and they all say it's because they need a " second opinion '', which I've already provided them with. All of the agents I would get on the phone would tell me the same thing as well. And the charges apparently weren't too old back when I filed the claim months ago, or they would've never processed my dispute to begin with. They would've just told me right then and there that the charges were too old to dispute. It's clear that Capital One will come up with anything they can to not do their job when it comes to helping and protecting their customers.

Company response to consumer: Closed with explanation