Consumer complaint received 2015-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Capital One 's dispute process not fair. 

The ER Vet Clinic charged me for a XXXX admission for my cat at the cost of XXXX. The XXXX Admission was not needed. All that was needed was a change of medication = XXXX and a Gel Supplement = XXXX. I asked for the medication change and supplement several times and was given other recommendations or medication. The end result was that the cat was in worse shape than when I started almost XXXX later, I did n't admit her a XXXX time ; instead I took her to the family Vet who gave me exactly what I asked for and the cat bounced back in 2 days. ( see attached detailed document ) It was a light bulb moment because I realized that Animal Emergency intentionally inflicted pain upon my XXXX and myself. They hospitalized her XXXX for financial gain. 
REASON for COMPLAINT : Capital 1 requests documents to prove things that are impossible to obtain, especially if your complaint is about a service. I also believe that their Representatives are forced to tell lies and placate consumers in order to run out the clock. I filed a dispute with Capital One and they ruled against me and I did n't even know it had happen until I received a bill stating I had to pay interest. 
Events : Dispute was filed in mid XX/XX/2015 = I received letter from XXXX explaining their actions ( c attached ) XXXX/XXXX/15 Cap 1 grants a charge backXXXX/XXXX/15 approx. I get the Cap 1 XXXX/XXXX/15 letter asking for additional documents and a 2nd opinion. ( c attached ) XXXX/XXXX/15 = I complied and faxed the documentation, with exception of 2nd opinion. The XXXX Vet was out of the State. I did however give them the Vet 's detailed notes that expressed his opinion, actions and why he took the actions. 
Additionally on XXXX/XXXX/15 = I spoke to a Cap 1 Supervisor named XXXX after speaking to a idiot in regards to Cap 1 's request that I send them a credit voucher and XXXX opinion. I explained that the Vet was out of town, asked how the heck could I get a credit voucher. She told me that the XXXX opinion was really the problem. I told her to read the notes. The notes clearly state not only opinion, but his actions and there out come. XXXX said she would go higher up and she did. I got a call back from XXXX approximately 2 days later telling me that they would except the detailed Vet notes as the 2nd opinion. She would take my dispute up to the actual Cap 1 Dispute Board. I was to wait for a letter. 
XXXX/XXXX/15 I got another letter regarding the credit voucher. I disregarded the letter because it was about the same subject that I spoke to the idiot about. The letter also arrived the day after our conversation. ( c attached ) XXXX. XXXX/XXXX/15 I spoke to XXXX again and she told me # 1 that the Merchant had until XXXX to respond to my Vet 's documentation. She also asked me for a letter from the 2nd Vet stating that his opinion was his opinion. I told her that I had asked him to do so already and he refused. My Vet did n't want to involve himself any further and felt that not only did he give an opinion, he brought forth action. 
Between XXXX and XXXX/XXXX/15 = I called XXXX XXXX, her extension was disconnected. I left XXXX messages, the last on XXXX/XXXX/15 ; with someone named XXXX. She nor anyone else ever got back to me or sent me another letter. I just received a bill showing that I am paying interest and more of a minimum payment and that 's how I know they ruled against me.

Company response to consumer: Closed with monetary relief