Consumer complaint received 2022-03-12
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:
My dispute is with my prior Capital One credit card. I provide my credit card number to XXXX XXXX for Ad support services. XXXX provided terrible service and I canceled my service with XXXX and informed XXXX of my cancel service and that they were no longer authorized to charge my credit card. XXXX continued to charge my credit card and I received an alert from Capital One and immediately informed Capital One that the charge was not authorized and that I was no longer during business with XXXX. I also informed Capital One that XXXX was informed they were no longer authorized to charge my credit card. Capital One begin a dispute and requested documentation from me. I provide detailed written documentation to Capital One informing them of my account closure and that XXXX was no longer authorized to charge my credit card. I also sent a certified letter to the XXXX VP of their Ad department informing her of my account closure and that XXXX was no longer authorized to make charges to my credit card. I asked Capital One if it was necessary for me to close my account and I was informed that Capital One would place a block on the account, preventing any additional charges from XXXX. Several weeks later I received a statement from Capital One with another charge from XXXX. I spoke to a Capital One XXXX after the second charge and I was told that XXXX was able to circumvent their block process but she cancel the existing card and issue a new card and remove the second charge. After Capital One reviewing my detailed documentation to XXXX and in which I specifically stated that I closed my account on XX/XX/21 and that XXXX was no longer authorized to make charges to my credit card. Capital One passed on the XXXX charges of {$950.00} to me. My contention is that Capital One apparently has a problem with charge backs to XXXX and possibly other large organizations and this was confirmed by the Capital One XXXX I spoke to. Since Capital One is unable to make charge backs to XXXX they choose to ignore my notifications of unauthorized charges as well as my detailed supporting documentation. In my case Capital One was informed Immediately of the unauthorized XXXX charge and took blocking action to prevent any additional charges and still passed on the unauthorized charges to me. The mere fact that Capital One new in advance about the XXXX charge being unauthorized choose to accept it and charge it to me is a fraudulent act. The handling of both charges were fraudulent processed by Capital One, based on the fact that Capital One was informed by me that both charges were not authorized and also through the written documentation supported with a certified letter to XXXX informing XXXX of the termination of my account and most importantly my informing XXXX in the written documentation they were not authorized to make any additional charges on my Capital One credit card. Also in the written documentation to XXXX I requested that all recent charges be credited back to my Capital One credit card. I do strongly think that Capital One knowing that these charges were not authorized choose to pass the charges to me and I think this is a fraudulent act. I would imagine if Capital One chose to make this decision regarding my XXXX unauthorized charges that this is a common practice against consumers and small business and they must be held accountable. This type of behavior is corrupt and in defies honest and professional business practices. I am requesting that the XXXX charges be removed and that my overpayment of {$150.00} plus the interest charge of {$4.00} be returned to me. I encourage the CFPB to investigate Capital One 's process for handling disputes and especially disputes surrounding large companies such as XXXX. It is without question that Capital One has a problem with disputes involving XXXX. I will be happy to provide all written documents I provided to Capital One. I also suggest that my experience with Capital One is available for other consumers and small business to view. I am sure I am not their only victim. These unethical and fraudulent kinds of business practices and behavior must be exposed the businesses held accountable. They are un XXXX! 

Note : I have closed the Capital One Account and destroyed the cord and only have the last four numbers : XXXX 2 Dispute case numbers : XXXX {$500.00} XXXX {$450.00} Thank You for your assistance in this matter. 
XXXX XXXX

Company response to consumer: Closed with monetary relief