Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

A COPY OF THE BELOW IS INCLUDED WITH DETAILED PHOTOS IN THE ATTACHED : From : XXXX regarding dispute cases with Capital One ending in XXXX and XXXX for the card ending in XXXX Overview In the following letter, I will showcase the following : I purchased XXXX XXXX in XXXX on XX/XX/year> for {$2500.00} each and was knowingly scammed by the merchant. The merchant sold me the rugs under the premise they were 100 % silk.The merchant went through multiple fraudulent steps to prevent me from returning or exchanging the rugs. I purchased this with my Capital One credit card ending in XXXX. 
I went to multiple rugs stores in my hometown of XXXX XXXX  XXXX to verify the authenticity of the rugs. All the merchants in XXXXXXXX XXXX XXXXXXXX were able to confirm within minutes of seeing the rugs I bought were not of the material or quality the merchant claimed. They are polyester [ see point 1 ], a material worth exponentially less than what the merchant claimed. 
After multiple calls and repeated upload of documents, Capital One Bank has rejected my claim. Every time I call, they give me a different answer. One was insufficient documents about the products purchased. Another one is about the method I tried to return the products. They changed the reason they rejected my claim multiple times in an effort not to return the money to me. 
I had tried to contact the merchant to return the goods but Capital One did not accept that I had tried. If they were in contact with the merchant, they could have connected us for me to return the rugs to him. Capital One did not do that and they did not tell me my return attempt was not sufficient. 
I would like the return of {$5000.00} I am owed for the goods I have proved counterfeit. 

- 1a. The purchase Please see below for the receipt from the merchant from XXXX with detailed papers claiming the rugs were made of silk This purchase was made from my Capital One credit card on XX/XX/year> 1b. Return or exchange when the rugs were thought to be fraudulent I had contacted the merchant via XXXX ( as thats how they do business ) asking to return the rugs. He claimed there was no return or exchange and accused me of insulting him and said he would not speak with me any longer 2a. Rug authentication in XXXX XXXX XXXXXXXX I filed a claim with Capital One and was informed I needed a rug merchant in United States to confirm the rugs were counterfeit before I could get the credit back. They did not mention anything about the whatsapp messages not sufficing as trying to return the rugs. 
I physically took the rugs to a rug appraiser and merchant XXXX XXXX XXXX ( XXXX XXXX XXXX  ) here in XXXXXXXX XXXX XXXXXXXX XXXX While rugs were under inspection at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX, they were able to confirm that both the rugs the merchant sold me were not made of silk [ see photo 1a claiming they are 100 % silk ], but rather polyester, a much cheaper material. See letter below from appraisal : This proved the merchant knowingly sold me a counterfeit item that did not reflect the true quality he was claiming. 

To double verify, I also went to XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX. After reviewing the rugs, they sent images of the rugs out to an expert in XXXX to confirm their authenticity. The expert also confirmed that the rugs are not 100 % genuine silk, but counterfeit. 



- Thank you very much for your time and help here. 

XXXX XXXX