Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

This complaint is against Capital One Credit Card negative account in my credit report. This negative account is hurting my credit, but makes a false claim. I do not owe Capital One any monies : Capital One was the first to brake the terms of the credit card agreement. In fact, Capital One has already taken this claim to court and the case was dismissed. Capital One claim is just wrong. 

Capital One broke the terms of the credit card when they deny my right to dispute a charge in my account. In 2010, I moved and was scamed by the moving company shiiping my stuff : in order to deliver my stuff, the merchant demanded a cash payment, when I had already paid for all merchant 's services with my credit card. Consequently, I disputed merchant 's charge on my Capital One credit card. However, Capital One denied my right, per the card 's terms and conditions, to dispute the charge. 

In order to deny my right to dispute the moving company 's charge, Capital One requested additional information ( which I had already provided in previous corresondence ) and only allowed me 24 hours to submit it, else Capital One would close the dispute. Capital One requested additional documents in a letter dated XXXX XXXX 2010. The letter was delivered on XXXX XXXX 2010 and it required the supporting documents to be received by XXXX XXXX 2010. Since I was out of the country ( as Capital One could have guessed from the charges in my credit card ), I did not find out about the 24 hours deadline to provide supporting documents, until it had expired. I was still able to submit the requested document within a week. However, Capital One disregarded my submission and closed the case. I filed a complaint argueing it was not reasonable I was only given 24 hours to reply Capital One 's request. I wanted Capital One to continue my dispute against the moving company. Capital One gave the excuse the time XXXX allows them to process the dispute was very short and to meet that timeframe they could only allow me 24 hours to reply their request for supporting material. This was all a lie by Capital one. I called XXXX and was told they do not set time limits to process disputes. in any case, I had filed my dispute less than 3 months after the credit card charge and my submission of suporting documents was less than 5 months after the credit card charge. Nevertheless, Capital One insisted to close the dispute, removed the temporary credit I had received and demanded I pay that charge. Since I considered Capital One had not respected my rights and had broken the terms of the credit card, by denying my right to dispute a charge, I informed Capital One I was not going to pay that charge and was not going to use my credit card ever again. Capital One very quickly added late fees and finance charges, until the balance reached around {$1500.00} and they charged the account off. 

Capital One continued demanding I pay the card 's balance in full. but I never agreed to Capital One 's claims. Eventually, Capital One realized that and decided to take its claim to court : the case was dismissed. So should now this negative account from my credit report, since Capital One 's claim is wrong. 

As a side note not relevant to this credit report dispute, I need to say it is really unfortunate, Capital One Dispute Department is the worst from all credit card companies I have ever dealt with. I had already had previous experiences where Capital One Dispute Department was very incompetent and unhelpful. I liked my Capital One credit card. It had good conditions and I used to use it a lot. I was a good client and was never late in my payments. However, I had to give it up as I found unacceptable Capital One would let me down : they denied my right to dispute an incorrect charge and so allowed some merchant to scam me.