Consumer complaint received 2021-11-25
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:
I purchased from XXXX on XX/XX/XXXX at XXXX and paid {$190.00} for what they advertised as " Consumer Leads '' with my CapitalOne credit card. But when I found they are just data not " Consumer Leads '', I cancelled right away on XX/XX/XXXX at XXXX. 
Leads mean people who opted-in & agreed to be contacted ( has IP, Join Date & Lead type filter to prove their consent ) XXXXThese are just peoples data, ( No Opt-in IP, Join Date & Lead type filter ). ( Not TCPA compliant! ) I called XXXX at XXXX for their misleading advertisement & to ask for a refund but no one answered. 
I called CapitalOne to dispute the {$190.00}. They did a purchase adjustment - {$190.00} on XX/XX/XXXX, but then I got charged again {$190.00} on XX/XX/XXXX and got an online letter " Repre Rebill Need Rebuttal '' saying below. 

" Since then, the merchant provided the following information to support the transaction : Confirmation showing no cancellation per policy was received. So for now, we are reapplying the charge to your account ... '' I called CapitalOne again because I cancelled it on XX/XX/XXXX and has the confirmation email! I was told to upload all the proof I have to a CapitalOne link & wait for the response. Then I got an online letter " Can not assist '' on XX/XX/XXXX. 
" While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. '' I called again. The rep said it is the signature that it lacks and she send a CapitalOne link for me to upload it a XXXX time. So I not only type but Esign the 2nd document. 

But on XX/XX/XXXX, I got a 2nd online letter " Can not assist '' saying the same thing. 
I called CapitalOne, The new rep said the merchant agreed that it is cancelled so it won't charged my card in future. I said what about the 1st month? I cancelled on the same date XX/XX/XXXX! She said I need to prove I didn't receive what I purchased. I already explained clearly in the 1st & 2nd documents I uploaded. I purchased " Consumer Leads '' not " Consumer Data ''. I use another provider, XXXX, they call it what it truly is, not like XXXX lying. If it's data, XXXX call it " Consumer Data '' not like XXXX calling their data " Consumer Leads ''. The rep then understood & send me a 3rd link and told me to include XXXX 's info. 
I attached screenshots showing how XXXX 's leads page has IP, Join date, Lead type filter and XXXX doesn't. I uploaded everything and still got a 3rd online letter " Can not assist '' on XX/XX/XXXX. 

XXXX  has no IP, Join Date/Opt-in date, Lead type filters to prove people 's consent to be contacted. ( Not TCPA compliant ). XXXX call their " data '' leads when another honest provider, Salesdatapro.com call their " data '' data, and only call " leads '' when it has IP, Join Date/Opt-in date, Lead type filters. 
And CapitalOne isn't helpful at all. I doubt they even read what I uploaded! I submitted XXXX support ticket & called many times but no one responded or answered! Yet, CapitalOne keep saying on the " Can not assist '' letter to work with Merchant directly for the refund!

Company response to consumer: Closed with monetary relief