Consumer complaint received 2024-03-22
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 (OR)

My friend and I were in XXXX XXXX, visiting the XXXX XXXX on XX/XX/2024. At the taxi stand by the XXXX XXXX, we requested a ride to the XXXXXXXX XXXX on XXXX XXXX  XXXX and XXXX XXXX, a distance of XXXX km or XXXX miles. The traffic was busy as this was XXXX weekend. We asked for an approximate cost, and we told about XXXX pesos. The taxi was metered, and when the meter approached XXXX pesos, the driver suggested we disembark and walk the remainder, but we were still over a kilometer from the destination. We agreed and I gave him a XXXX peso bill which had been dispensed that morning from an ATM at a XXXX XXXX in XXXX XXXX. The bill was XXXX of the new blue ones. He rejected the bill and said it was no good. My friend gave him another XXXX peso bill, which was XXXX of the older brownish colored ones which he also rejected. He asked for a credit card. At this point I gave him my Capital One XXXX credit card. I told him to put XXXX pesos on it. He held up XXXX of those handheld machines that showed XXXX on it and asked if that was OK. I said yes. I dont know if he ran the card through that machine, but he then rushed us out of the taxi without giving us a receipt. He said he was stalled in traffic and needed to move. When I checked my credit card statement, there was a charge for {$520.00} ( AmericanDollars ). XXXX pesos on XX/XX/XXXX was worth {$29.00}. I do not think that the cab driver ran my card through that machine that he held up. Instead, I think he ran it through a pay clip that is attached to his cell phone. This is a guess as to what actually happened since the charge that came through on my credit card was from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX not a taxi cab company. I called my credit card company on XX/XX/XXXX and reported fraud. The credit card company filed a complaint. On XX/XX/XXXX they declined my fraud case saying that I received services and there was insufficient evidence. Primarily I didnt have a receipt. I didnt have a receipt because the cab driver kind of forced us out of the car without giving us a receipt. On XX/XX/XXXX, I called the credit card company back again and changed the fraud claim to a disputed charges claim. I called them back on XX/XX/XXXX, and they said I needed to fill out a form. I filled out the form. On XX/XX/XXXX and again on XX/XX/XXXX I received another letter from the credit card company, denying my dispute claim because I didnt have a receipt, I called the credit card company again on XX/XX/XXXX and talked to a manager. She refused to do anything because I didnt have a receipt. I called them back on XX/XX/XXXX and talked to a different manager who still refuse to process any claim because I didnt have a receipt. She did however credit my account with {$75.00} as some kind of token. No way should about a XXXX mile cab ride in XXXX XXXX cost {$520.00} American money. If this is not fraud, I dont know what is. I am deeply disturbed that my credit card company did not protect me in this situation. I could not produce a receipt, because not having a receipt was part of how the cab driver fraudulently charged me. If the pay clip company in XXXX could provide some kind of paperwork backing up this charge, I think we would all see the absurdity of the situation. However, the credit card company refused to do this, instead they kept asking me for a receipt. I didnt get a receipt because that was part of the fraud that this cab driver committed.