Consumer complaint received 2022-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
On XX/XX/XXXX, XXXX I received a response from CapitalOne in reference to a dispute No. XXXX for a purchase that was made on XXXX/XXXXXXXXXXXX in the amount of {$1100.00} for two tickets to a XXXX XXXX concert scheduled on XX/XX/XXXX XXXX. Concert that has been postponed first by Covid-19 in XXXX, and then postpone 3 more times due to XXXX XXXX health . 
In their first response to my dispute, on XX/XX/XXXX XXXX, CapitalOne alleges that according to their investigation, I only had 60 days after the purchase to make a dispute. Also, in their response XXXX. XXXX to my complaint with CFPB XXXX. XXXX, on XX/XX/XXXXXXXX CapitalOne kept sustaining its argument of the 60 days to make a dispute, and that this decision was based on the terms and conditions provided to me by the merchant. 
I am not going to settle for this response from CapitalONe. CapitalOne is not even bothering and/or paying a serious and legitimate attention to this matter, and I am demanding that CapitalOne refund me my {$1100.00} for the following reasons : 1 ) In order for me to make a dispute as CapitalOne stated XXXX I had to dispute this purchase on or before XX/XX/XXXXXXXX On or before XXXX XXXXXXXX, I HAD NO REASONS TO DISPUTE this purchase. When I purchased these tickets on XX/XX/XXXX XXXX, and even on or before XX/XX/XXXX XXXX  I had the FIRST GOOD FAITH & INTENTION to assist to the concert on XX/XX/XXXXXXXX  Unfortunately, in XXXX, the whole world was shot down due to covid-19. Therefore, the concert was postponed to XX/XX/XXXX. 
2 ) When traveling was allowed again, I had THE SECOND GOOD FAITH & INTENTION to assist to the concert on XX/XX/XXXX. Then, the concert was postponed to XX/XX/XXXX. This time due to XXXX XXXX health. 
3 ) With no impediments, I had THE THIRD GOOD FAITH & INTENTION to assist to the concert on XX/XX/XXXX, but the concert was postponed for the 4th time to XX/XX/XXXX. Again, due to XXXX XXXX health. 
4 ) In summary, 3 times, I had good faith & good intentions to assist to the concert in XXXX, and I had neither a reason nor any intention to make a dispute against this purchase. Nonetheless, make a dispute WITHIN 60 DAYS of purchase. 
Any consumer protection law and any court of law in the world would agree with me that this act is a deceitful, unfair, and unlawful practice against my rights as consumer. CapitalOnes reason to deny this dispute under the 60 days and the terms and conditions of the merchant is baseless. The bases for this dispute should be : a ) Any event that is re-scheduled should require that re-performance should happen within a reasonable time and without significant inconvenience to the consumer. It has been 3 years, and the concert isnt happening. 
b ) IT is obvious and clear that the longer the delay, the greater the risk that : The event will never happen for some reason. Somehow this concert has not been cancelled in XXXX ( in USA was cancelled ) because once cancelled the promoter has to refund the money. There is a chance that the promoter may become insolvent and unable to refund ; therefore, dragging the concert with these postponing dates forever until we cant dispute the refund any longer. 
That the event will be different in a significant way. It is already happening by changing the date/year to a date/year making it difficult for me to assist, and/or I will be XXXX XXXX XXXX next year when the concert is postponed, and my health and financial circumstances had changed considerably in 3 years. This money is tied up in these tickets. I can use this money in more relevant and necessary purchases, and/or There is moral issue. The desire to assist to this concert doesnt longer exists. For 3 times and for 3 years, I had good faith and good intentions to assist. Enough is enough. 
I will NOT stop until CapitalOne and all of the government agencies related to consumer protection pays attention to my case. I make CapitalOne responsible because I trusted CapitalOne with my purchase, and the protection it promises against these malicious merchants. CapitalOne has a fiduciary and financial responsibility to me. CapitalOne/Visa has the power I dont have to pursuit these merchants. There is only one thing I can do for sure, I will continue complaining and pursuing in whatever lawful way is available to get my money back. It is the only fair solution.

Company response to consumer: Closed with explanation