Consumer complaint received 2021-11-08
Product: Credit card or prepaid 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)

I filed a charge dispute with Capital One ( amount in dispute {$1200.00} ) because that is the credit card I used when I cancelled my car rental with XXXX XXXX XXXX. The car rental company refused to honor the price that was confirmed through XXXX and charged a higher amount in a foreign currency without telling me until after I signed the credit card slip. I cancelled the car rental and never received any service from them. I explained this to Capital One twice ( including an appeal process ). They will not return my money. I even gave them proof that it was a cancelled transaction. At this point what XXXX XXXX XXXX is doing is fraud. A quick internet search will show dozens of other consumers defrauded my this car rental company. I should not be have to pay {$1200.00} when I didn't rent a car at all from this company. In fact the next day I rented a car from a different company that was reputable. I also used my Capital One credit card to actually rent a car from the different company. Please see below for more detailed information that was given to Capital One in support of the charge dispute. 

On XXXX  XX/XX/2021 I rented a car through XXXX for dates of travel from XX/XX/2021 through XX/XX/2021. The car rental was from a company called XXXX XXXX XXXX The entire amount due at the car rental counter on XX/XX/2021 was supposed to be {$540.00}. Additionally, I purchased collision protection from XXXX and paid them {$110.00} at time of check out. A copy of the XXXX reservation and payment is attached hereto for reference. I was informed that I would pick up the car rental from the XXXX airport in XXXX, XXXX and the only amount due was {$540.00}. 

On XX/XX/2021 I landed at the XXXX Airport and there was no kiosk for XXXX XXXX XXXX. Instead, a man had my name on a piece of paper and took me in a private car outside the airport. I went into a building and their office was one room without any name identifying them. It did not seem professional at all. I was informed that they had my car rental and I showed them my reservation through XXXX. They acknowledged my XXXX reservation. I gave them my Capital One credit card and signed the credit card receipt that had the amount due in XXXX  XXXX not US dollars. At no time did I know that they were charging my card {$1200.00} instead of {$540.00}. I would not have signed the credit card receipt if I knew the higher amount. XXXX XXXX XXXXl thereafter informed me that they would not honor the collision protection that I already paid for through XXXX. They tried to force me to buy more insurance from them. I then asked them what they charged me because I was very suspicious at this point. I felt that I was being scammed. They told me that they had charged me {$1200.00}. I was shocked and immediately informed them as per my reservation ( that I showed them when I first got there ) the only amount due at the car rental counter was {$540.00}. They refused to honor my XXXX car rental reservation and wanted to charge me more than twice the amount. I refused to continue renting a car from them and directed them to cancel my reservation. XXXX XXXX XXXX company told me that my car rental reservation was cancelled and that they cancelled the charge because I did not go through with renting the car. 

After I canceled the car rental I was stuck somewhere in XXXX. I paid a XXXX driver {$20.00} to take me back to the airport because XXXX XXXX XXXX would not take me back to the airport because I canceled the car rental. Can you believe how awful this company is if they refused to even take me back to the airport? I tried to find another car rental back at the airport, but every car was sold out that day. I had to take a cab to my hotel. The next day I took a cab back to XXXX Airport and found the only car available to rent. It was the most expensive car, but I had no choice as that was the only car available at any car rental kiosk and a rental car was needed for my trip. The new car rental from XXXX XXXX XXXX cost {$1700.00}. I used my Capital One card to rent that car and you can see this charge on my card on XX/XX/2021. 

XXXX XXXX XXXX  are scammers and tried to scam me on XX/XX/2021 by trying to charge my credit card more than double my reservation price. XXXX XXXX XXXX statement to you that renter had a car reservation and after signing the rental agreement has decided to cancel it without good reason is a flat out lie. They were told on XX/XX/2021 that I am canceling the car rental because they refused to honor the car rental reservation price and they refused to honor the pre-paid collision protection. They told me that the charge was cancelled because I no longer rented a car from them. At no time did they tell me that the XXXX {$5200.00} XXXX was anything other than {$540.00} in US dollars. If this company was honest and ethical, they would have told me prior to charging my card that they would not honor the reservation that they already agreed to through XXXX. XXXX XXXX XXXX  company is unethical and are scammers. They flat out tried to take advantage of me. The acknowledge that I cancelled the car rental but still charged my card without giving me the service. Based upon the foregoing, I am requesting that the full amount charged {$1200.00} be credited back to my account as the car reservation was rightfully cancelled. This company should not be rewarded for its unscrupulous business practices. I should also note that a formal complaint has been filed with XXXX as they should not due business with this company any longer.