Consumer complaint received 2026-01-02 00:00:00
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
State: GA

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau RE : Complaint against Capital One about a scammed transaction paid on XX/XX/XXXX We needed services of a lawyer to action on our matter. We signed the contract with XXXX XXXX XXXX of New Jersey lawyer and paid him on XX/XX/XXXX via Capital One master card a {$5000.00} as deposit for future travel or expenses to Hawaii, USA. 
This lawyer has been irresponsive to our follow ups and the answering service kept making excuses that he is very busy and always in court. He does not return messages regadless we tried phone calls, emails and texts. At the time to signing contract XXXX XXXX said that he file complaint of our matter by XX/XX/XXXX. But he did not action on filing complaint about our matter. We attempted to contact him by all phone calls, emails and texts. Then he said he will file the complaint by XX/XX/XXXX and he will update us. But we received no update, no progress, no action and we were in complete dark. 
This is when at the beginning of XX/XX/XXXX we searched his name and discovered that he takes the money from vulnerable people does nothing and disappears. The real people has posted their experience and reviewed XXXX XXXX on the web. I first learned in XX/XX/XXXX as well that I also am the victims of lawyer XXXX XXXX. And I sent him a formal termination letter via XXXX XXXX I demanded full refund of my money {$5000.00} by XX/XX/XXXX. I clearly notated in the formal termination that if we dont hear from him by XX/XX/XXXX, then only I will reach out to Credit Card Company and dispute this transaction and charge back. I did not hear back from XXXX XXXX. 
On XX/XX/XXXX, I called my credit company Capital One and explained the situation and requested a full refund of my {$5000.00} and disputed the transaction. Capital One dispute representative processed the dispute request. And credited my account on XX/XX/XXXX with {$5000.00}. 
On XX/XX/XXXX, I called Capital One Dispute department to follow up the status of my dispute. The dispute representative told me the you have a permanent credit posted into your account and you have a credit balance. He further told me that - 1. If you like you can leave the credit as is and any transaction you incur will be deducted from the amount. 

Or 2. You can request the check be paid to you for the remaining credit amount. ( It is important to note that I have paid the entire balance as I have received statement from Capital One through my bank ) On XX/XX/XXXX I called and requested the check be mailed out to me for the remaining credit balance. The representative verified all the information and said you will receive check for the remaining balance in 10 business days. 
On XX/XX/XXXX I called Capital One dispute department to check to be sure I have the right information as to how many days the merchant has to respond to the dispute. I got conflicting response from XXXX representatives in the same phone call 45 days and 90 days. 
I asked the representative to send me a secure link so I can upload the evidences. 
On XX/XX/XXXX I uploaded the evidences to secure link provided to me by the dispute representative. I received the confirmation of upload of XXXX AM. 
On XX/XX/XXXX I noticed @ XXXX PM EST that I received an email from Capital One XXXX AM saying your dispute is closed because it is old. 
I immediately called the dispute department and asked the explanation as my evidences are not even reviewed and decision letter is sent. I was not getting anywhere with the representative and I asked to speak with the manager. I spent XXXX minutes and the manager was stuck that your dispute is over 118 days old. I explained that I just discovered the I am scammed by this BOGUS LAWYER but this manager was very uncooperative. 
I called again @ XXXX XXXX  and requested to speak with the Capital One XXXX  XXXX  department manager. This manager was no different than the dispute XXXX manager. And kept saying your dispute is old, we cant do anything. 
The Capital One has posted {$5000.00} back into my account and very uncooperative to protect me as I am scammed in the hands of fraudulent lawyer. 
Scam transaction time line starts when it is discovered not the date of the transaction. And my dispute is not old, which I paid on XX/XX/XXXX, and I only first discovered that I am scammed and am a victim of scam on XX/XX/XXXX. The moment I discovered I took immediate actions that includes notifying Capital One. 
It is unfair for Capital One to be uncooperative and instead of protecting me as the victim of scam they are stuck on 118 days mark. By supporting the scammed transaction and uncooperative of my request Capital One have betrayed me as a financial institution, whom I trusted and have been a loyal member in good standing. 
I request authorities to have Capital One reverse the {$5000.00} back to my account. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation