Consumer complaint received 2016-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Transaction issue

Complaint:
I was invited by my friend to attended 3 day business seminar in XXXX Arizona hosted by XXXX. The program was to boost companies to another level and ideally was to boost XXXX company to another level. We were promised in the seminar that various training would be conducted and the whole package costed a lot. I charged my Capital One credit card with an amount of {$7300.00} and that was in XXXX 2015. After the three day seminar I waited for a week to receive a call from XXXX XXXX and none was received. I signed up into the client account and inquired when the training would begin. Training started with a lady called XXXX, I questioned the training as it was a group training done via the phone and my employees including I started to question what training we were receiving as all was coming in the training had nothing to do with what was promised during the seminar. I wrote back with a complaint and told the training couch XXXX that I was going to end the training immediate and file a dispute with my credit card company as the product provided was not what I attended the business seminar for. I have several e-mail correspendence with XXXX XXXX client service couch XXXX and their customer service for complaints to the last day I pulled out of their program. I wrote to Capital One, including XXXX other banks, XXXX XXXX XXXX, XXXX and XXXX Bank where I had also charged these credit cards with XXXX XXXX program training package. I received my money back with the other banks and waited on Capital One for. All documentation was sent to Capital One within a timely manner. I waiting for their response and after waiting for so long, I called their office to see the status of my claim. Was told it was still in process, I asked why a temporary credit was not put back on my card as other credit cards companies credited my card as a temporary credit while claim was in process. Capital One did not credit me with anything, all was told was that claim was still in the process, I asked if there was any documentation to receive and sign and they advised, documentation was on the way. Seems documentation was only mailed after my call to remind them. I received a form that needed me to explain why I was filing a dispute, I completed all the information and mailed it back to Capital One with a long covering letter. I waiting for their response, none came for weeks and no temporary credit was put back on my card. I then called again as a follow up and to my surprise, I was transferred to another department and was told that the claim was closed. I asked why the claim was closed and was told because no documents were received and they had tried to call me but my phone was disconnected. I could not believe it, I told them they there is no way my phone could be disconnected, Capital One had my house phone as XXXX XXXX XXXX and my cell phone which is XXXX XXXX. I asked " Tell me which number you called ''?. They repeated my cell phone with a wrong last digit. My cell is XXXX XXXX and the person gave me a number with the last XXXX digit XXXX. The person 's name was XXXX, I told him that is not my cell phone and reason it says phone was disconnected. We argued a lot and all I was told was that the claim was closed and I have to continue making payments on my credit card. I told that XXXX that I was not going to make any payments on my credit card as they misplaced my claim documents. I tried to look for an attorney but can not afford XXXX since I run a XXXX that has no funding. Am struggling. I was referred to your organization by someone called XXXX XXXX from XXXX XXXX XXXX and I thank him. I await your response, and enclosed is a letter to Capital One after talking to their XXXX on the phone. I have other supporting documents if needed. Capital One account ending XXXX.

Company response to consumer: Closed with explanation