Consumer complaint received 2017-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
Product: Credit card
Issue: Billing disputes

Complaint:
I filed a legitimate dispute with XXXX XXXX 's dispute department over a purchase with a vendor who stalled out of time within the warranty period of the item purchased. I had provided all the necessary information and documents that XXXX XXXX 's dispute department had requested to properly resolve the dispute and reverse the charge made by the vendor. However, after following up with XXXX XXXX dispute department several times about the status of this case, I was given a different reason each time for not resolving the case in my favor. The first time I was told by XXXX representative that " the original point of sale receipt, and second party opinion was not submitted ", therefore the case was not ruled in my favor. I was confident that I submitted all this info, because I had actually confirmed the info was successfully submitted with a XXXX XXXX representative on the phone at the time of submission. So knowing that XXXX XXXX was fraudulently lying about the desision not to rule in my favor, I decided to contact XXXX once again about the status of the dispute. Of course I reached a different XXXX XXXX representative and this XXXX told me the reason for not ruling in my favor was because the warranty of the item purchased had expired before the case was submitted to them, even though I had opened the dispute with XXXX XXXX within the 1 year warranty of receiving the item from the vendor. So knowing this was also an illegitimate excuse by XXXX XXXX, I decided to call them back once again to see if their story changes again. Because a story that is n't consistent is a DECEPTIVE LIE. Upon the third time of contacting XXXX XXXX I was told that the case was not ruled in my favor because I did not attempt to resolve the case first with the vendor to return the item. I had told XXXX ones disputes representative several times while the case was being made, that the vendor had stalled out of their warranty period by not responding to my calls to them regarding return of the item within the warranty period. So this was the 3rd lie XXXX XXXX presented to me regarding the denial of favor in my case. It is also worth mentioning that I was disconnected by XXXX XXXX reps several times with no apparent reason, resulting in me calling back again to start the process over with a completely different representative who knew nothing prior to what was previously discussed. I want the total purchase amount of this item credited back to my statement balance due to XXXX XXXX 's incompetence and lack of will to successfully resolve the case and void the transaction made by the vendor. For reference, the final XXXX XXXX representative that I had contacted to resolve the case, pay off the correct statement balance without the disputed charge, and avoid interest over illegitimate dispute charges was XXXX : employee # XXXX. She opted not to correct the balance, so I could not make a full monthly payment to avoid interest charges. She told me to call the federal authority, as she supposedly has no power within XXXX XXXX to correct statement balances, even though she is an account supervisor.

Company response to consumer: Closed with explanation