Consumer complaint received 2022-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
This is what I sent to Capital One to dispute the 2 {$4000.00} charges. 

Case # XXXX AND XXXX Merchant is XXXX Date of transaction XX/XX/2022 twice at {$4000.00} each = {$8000.00} XX/XX/2022 Today I received a letter in the mail from Capital One saying that this dispute is NOT resolved. 
1 ) There IS NO SALES AGREEMENT with XXXX. They never sent me a contract. I never signed or agreed to a contract. We had a verbal agreement for 1 to 2 months. ASK THEM FOR A CONTRACT. I refused until I saw that the product worked as described IT DID NOT. 
2 ) I was advised that I was NOT in a contract and this was a trial basis.

3 ) CAPITAL ONE GAVE THEM MY NEW CC #!!!!!!!! After service was terminated!!!! I have proof that I had effectively blocked them from taking my money 5 times. Capital One took it upon themselves to step into this transaction and decide what I was doing with XXXX. 
XX/XX/2022 ( see email string ) I received a sales call from XXXX XXXX. After an extended period of time/ conversation ( that they record ) she convinced me to sign up for the marketing program. She guaranteed I would make money off it and that it would be profitable. I refused to sign a contract and they never sent me a contract. This was a trial basis. I gave her my credit card number over the phone and authorized her to charge me {$4000.00}. I never entered it into the computer. I had no intention of doing this. I was not told this was done. I do not know where this site is. The paperwork they sent you as evidence was news to me because I always went through people XXXX and XXXX. 
XX/XX/2022 I received my first vetted lead but they had no last name and never returned a call. XXXX. I received 1 more lead just before the end of the 30 day period, neither are buying in my market. 
XX/XX/2022 ( see email string ) I received a notice saying my cc had not gone through. Great. It wasnt supposed to. I had called XXXX multiple times and told her I was very unhappy with the service. TWO leads for {$4000.00}. I wasnt moving forward. I complained multiple times and asked to speak with her manager. Again see the email string. XXXX XXXX finally called me back. He said that XXXX had made a bunch of mistakes including not giving me a XXXX XXXX XXXX!!! I did not receive what I paid for. See email string, XXXX XXXX reached out to me on XX/XX/2022 in an attempt to salvage my business. He said that XXXX XXXX had given me financial credits because one poor lead with no last name etc and because I was not assigned XXXX until more than a month after I signed up! This was not how onboarding was supposed to go they dropped the ball. 
XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 their auto system kept trying to charge me. They did not have the correct credit card number, and were not supposed to until CAPITAL ONE GAVE IT TO THEM!!!!!!! You had no right to do that!!!!! 
XX/XX/2022 Email string. XXXX finally gave me a presentation on XX/XX/XXXX that was supposed to happen the week of XX/XX/XXXX when I had signed up. I went through my leads with him and he agreed there were none that would buy in the group. I had been telling him since my first day with him that I wasnt happy, I did not receive what was sold to me ( namely many viable leads ). He said he was sorry I started out so poorly with his company. I made it clear it didnt work and I was out. He agreed. Every conversation is recorded- he has it. I do not know how much in credit XXXX XXXX had given me his conversation should be recorded also. They knew I wanted to cancel after the first month and they both strung me along, and then stole from me. 
XX/XX/XXXX, XXXX called me and said what did you do? I said what are you talking about? He said I thought you cancelled I said I did. He said the charge on my card went through. I said impossible because they do not have my card. Then I called Capital One and found out you gave out my number!!! XXXX knew I was cancelled! Again, they record all of their conversations ask for it! 
XX/XX/2022, XX/XX/2022, I called the only manager number I could find, XXXX XXXX XXXX. I left him several messages because I didnt understand why I was getting calls. Then I left XXXX several messages. He ignored me for several days and then called me back on XX/XX/2022 saying that yes, my account WAS turned off. He said QUOTE we are not baiting you. I was very relieved because I thought they were! I asked if I should answer the calls, and he said YES, your account is turned off so it is their mistake. So after that I started answering the calls but there didnt work/ go anywhere. 
XXXX DID NOT deliver what they said they would. I received 2 phone calls the first month and they are both not buying in my market. I did NOT get XXXX the Business Partner until the second month when I was leaving, and then he didnt even do his presentation until weeks later. They said they were crediting me advertising which I took as the second month. EVERYONE knew I was unhappy and that it wasnt working out. 
I HAVE NO CONTRACT WITH XXXX. I REFUSED TO HAVE A CONTRACT UNTIL THEY PROVED THEY WORKED. THEY DID NOT WORK, DID NOT DELIVER WHAT WAS PROMISED LEADS OR A BUSINESS ADVISOR. 
I will be contacting the Consumer Finance Protection Bureau about Capital One giving out my number after I allowed XXXX to be denied 5 times. 

UPDATE XX/XX/2022 XXXX a.m. phone call XXXX called me back after multiple messages. He agreed with everything outlined above. He agreed I was cancelled months ago. He agreed that that I was completely failed as far as service goes by XXXX and that they did not deliver what was sold to me. He agreed I was given credits the second month. He said he would call his manager to get this credited back to me. I asked for a copy of the recording because my phone will not record conversations, he said he was not allowed to or able to send it to me. He stated that it is a recorded line for his managers and they he completely agrees with me so they can hear it coming from him. 

UPDATE XX/XX/2022 XXXX a.m. by text XXXX agrees with me and says he is trying to get me the refund. It has still not happened, and after giving them my CC #, Capital one today said I didn't supply them with evidence ( there IS NO CONTRACT to send them ).

Company response to consumer: Closed with explanation