Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX XXXX Claim # XXXX On XX/XX/2023 I disputed a transaction with XXXX through Capital One bank. I disputed this transaction because the vending machine I purchased from the merchant did not work at all and I had to replace by purchasing a new one. I sent Capital One all of my evidence via email. I can tell that they did not read my evidence because they still sided with the merchant. I asked them to reopen the case. They never requested additional details about the case. They just told me that it would take 10 business days to review. I contacted them during this time to submit additional documentation to support my case and the phone rep gave me the wrong email address : XXXX the correct email address is XXXX. So I resubmitted the documents to this address today and I received a statement that they sided with the merchant again proving that they did not review my evidence again. And after the phone rep today XXXX XXXX XXXX stated that they would reopen the case. 

The vending machine I received from the merchant selling on XXXX voltage was above the standard and maximum amount for the US. Based on the Department of Energy the standard in US is XXXX XXXX  the machine I received was XXXX XXXX. The merchant lied and said that the machine was XXXXXXXX XXXX. The machine did not work at all. 

( In the United States and Canada, national standards specify that the nominal voltage at the source should be XXXX XXXX and allow a range of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 5 % to +5 % ). Historically, XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX have been used at different times and places in XXXX XXXX. 

There is not only a physical difference between plugs, but also an issue of electrical incompatibility. There are various voltages as well as frequencies used throughout the world. For instance, in the United States, we use XXXX ( XXXX XXXX ), while in many other countries, XXXX ( XXXXXXXX XXXX ) is used. This is because the electrical standards were originally established by the individual countries and at the time, there was no international standardization. So if you travel to another country, and you would like to take your favorite electrical device ( e.g. digital camera, laptop, XXXX player ) then make sure you also have an appropriate converter as well. ) The merchant also lied stating that the machine was left outside and got wet. This is not true my machine was installed at the mall location the same day and housed under two roofs. I asked the merchant over 5 times how could I return the machine and they ignored my request each time. The merchant offered to send parts for me to fix the machine myself. This is not an acceptable solution this is equivalent to me purchasing a brand new car, it not working and the dealer saying we are not going to let you return the car, but we will send you the parts to fix it yourself. The company is basically stealing my money by selling a defective product. 


The bank has been less than helpful because if they review my material they will find that I was not a fault and the merchant sold me a defective item.