Consumer complaint received 2017-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
3 : What happened? On XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX charged XXXX ( see attachment A ) from my capital one credit card as a payment for a property located in XXXX XXXX, State of Florida, which I did agree to buy on the previous phone conversation. From this date of the payment, XXXX XXXX should clear and process all documents at XXXX XXXX Clerk of the Circuit Court to convey the property under my name ( XXXX de XXXX XXXX, and he did. ( See attachment # 5 and 6 ). But, on the first week of XXXX I received a notice/letter from XXXX XXXX Property Appraiser saying that : ( see attachment # 3 ) - IN PROCESSING THE DOCUMENT ON THE TAX ROLL, WE NOTICED A DISCREPANCY WITH A LEGAL DESCRIPTION AND/OR OWNERSHIP. In additional information ( see attachment # 3 ) THE CIRCUIT COURT SAY ; THE GRANTOR DOES NOT HAVE AN INTEREST DUE TO PREVIOUS DEED NOT BEING PROCESSED, AND WITNESSES ARE MISSING FROM PRIOR DEED. After receive this communication from XXXX XXXX Circuit Court, I did call XXXX XXXX and we decide to cancel the Deal, because I didnt have any security or warranty. After the conversation over the phone with XXXX XXXX, I called capital One asking for adjustment and OPEN A DISPUT for credit back {$1.00} to my account because the Transaction/ Deal have been canceled. They did credit my account by XXXX XXXX ( see attach. Statement B ). And they sent me a security message ( see attachment # 4 ). > > > > > After that, I talked with XXXX XXXX over the phone and we agree that, I will sign, notarize and Email to him a WARRANTY DEED transferring back the property to his name. I signed By XXXX XXXX ( see attachment # 1 # 2 ), and I sent to him in his Email = XXXXXXXXXXXX, and also the original by Mail USPS. So, between him and me, it was all done after this Day. But looks like he works continuum with XXXX XXXX  proving that, this Deal/transaction wasnt cancelled. So, Capital One/XXXX XXXX RIBILL my acc. Again by XXXX XXXX ( see attached Capital One statement C ) And then, I called Capital One/XXXX XXXX again asking them why they rebill my acc.? They said that : We will send you a link by Email, for you to download all documents about the cancelled Deal to prove that you dont have to pay XXXX XXXX any more. Ok, I did it by end of XXXX. I sent trough Capital One Link, all this papers, principally a Warranty Deed transferring back the subject property to XXXX XXXX ( see attach. # 1 and 2 ). And I called back Capital One and ask them if I do have anything else to do, to help them?  They answered categorical no. On XXXX XXXX, Capital One credited the {$1.00} back to my account ( see attached Capital One statement D ).
Capital One/ XXXX XXXX never ever communicate with me from that day or even a security message to me, or call me. By XXXX XXXX, Capital One/ XXXX XXXX REBILL my account again the {$1.00} ( see attach. E ), so, I called them again a Capital One. And this it was the final conversation with Capital One : I asked ; What happened this time?
He answered : XXXX XXXX arbitration took the money on your account and credited XXXX XXXX, and there is nothing we can do in this case. I asked : You are telling me that ; I dont have the property, I dont have the money, so this guy ( XXXX XXXX ) have a right to have my money, and now I have to work to pay Capital One?
- I Never had in my life that kind of situation before, I was without words for a minute - I asked Capital One representative supervisor : If you cant do nothing? What can I do? He answered : you must Look for a third party to help you. Or you can call XXXX XXXX and ask him the money back. I asked : whos third party is it? He answered : I cant tell you, I can not give you any advise. I said Thank you! I did contacted XXXX XXXX by Email, tax message and over the phone, asking him my money back please?
But, he said that, he didnt receive any {$1.00} credit in his account. So, looks like the money are lost between Capital One and XXXX XXXX.

Company response to consumer: Closed with explanation