Consumer complaint received 2024-03-03
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 (CA)

1- On XX/XX/2024 XXXX XXXX towed the car of a contractor who was working in my property who parked his car in front of the garage of my property which, is located within an HOA in XXXX XXXX in which this company when knows the car is for a contractor working in one of the properties for some hours on that day and they will leave after that at the end of the day, in that case they don't tow the cars especially the contractors are available in the property and can instantly remove their car if any need for that in any emergency and this had been the norm. 
XXXX XXXX had came the day before on XX/XX/2024 and saw and acknowledge that the car belongs to a contractor as they saw him there and determined to go back on XX/XX/2024 just to come the next day on XX/XX/2024 to tow his car. After calling the police that day we knew that the contractor 's car was towed by XXXX XXXX which demanded {$390.00} to be paid by me in order to release release the car around XXXX XXXX  which I paid that day. Further on the contract of XXXX XXXX with the HOA is that there is no Residential call to tow any car, as such, this towing on XX/XX/2024 was initiated by XXXX XXXX, while they document on their computer all dispatches to any car ( this was verified by XXXX  on a phone call to XXXX on XX/XX/2024 ), as such, that confirms that XXXX XXXX did tow the car on XX/XX/2024 deliberately knowing and from the day before on XX/XX/2024 that this car belongs to the same contractor who was working temporary there in the unit and will leave that day. Further the HOA confirms to me that XXXX XXXX do Not come daily but randomly, as such, this action by XXXX XXXX constitutes an egregious discriminatory act against this contractor and aganist me as the owner of this property. 

2- Within less than 3 days of this incident, I called Capital One on XX/XX/2024 @ XXXX ( PST ) and filed a dispute against this charge, on XX/XX/2024 Capital One informed me that they credited my account with the {$390.00} and that when XXXX XXXX responds then Capital One will ask me for more information to resolve the case, however, Capital One on XX/XX/2024 that after the response from XXXX XXXX they re billed my account for {$390.00} and considered the dispute to be closed and to continue my dispute I need to send additional information by XX/XX/2024. 
So I sent Capital One a response the next day on XX/XX/2024 informing them that XXXX XXXX is Not licensed to do business in XXXX XXXX and with it I attached an email from the manager of the city of XXXX XXXX confirming that, also I informed them that XXXX XXXX is only licensed to do business in the city of XXXX and I attached an email form the supervisor for licensing in the city of XXXX confirming that, further I informed them how XXXX  from XXXX XXXX confirmed on XXXX XXXX that XXXX XXXX document all their dispatch orders in their computer, as such they know from XXXX that the car belongs to a contractor and they had turned back on XX/XX/2024 and did not tow the car which confirms their egregious act of discrimination, and based on that I asked Capital One to credit my account with the {$390.00} as it was Not legal for XXXX XXXX to tow the car on XX/XX/2024 as they did not had license to do business in XXXX XXXX  any way and that they forced me to pay the {$390.00} to release the car that night. Then on XX/XX/2024 I received a letter from Capital One telling me based on the information they can assist me with my claim. 
3- FYI, the city of XXXX XXXX issued a citation and a fine to XXXX XXXX for doing business in XXXX  XXXX with out having a license and that they are as of XX/XX/2024 has no license to do business in XXXX  XXXX as the citation attached to this complaint, also my understanding that XXXX XXXX did not has a license to do business in XXXX XXXX  as of XX/XX/2024 and I hadn't checked after that to see if they had been licensed after that, however, what matters here is that XXXX XXXX had Not been licensed when they towed the car on XX/XX/2024 4- This is Not the first time that Capitol One had failed to help me dispute a charge as before they sided with XXXX till I sent them again the email from XXXX supervisors acknowledging that they had admitted already that they reversed charging me which, Capital One was informed by me from the start, as such, Capital One sides always with the merchants and companies and not to with their customers and they continue to appease the merchants on the expense of their customers 5- Further, XXXX XXXX violated Vehicle Code Section 22651.07 in towing this car more than XXXX miles from XXXX XXXX to XXXX where they hostage the car on XX/XX/2024 6- Please see attached the citation the city of XXXX XXXX issued to XXXX XXXX on XX/XX/2024