Consumer complaint received 2025-11-08 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: PA

Complaint narrative:
Summary of the Incident This complaint concerns a fraudulent and deceptive transaction by XXXX, a gaming boosting platform that misrepresented its service as manual and safe for use within XXXX XXXX XXXX XXXX XXXX After purchasing their duo boost service, my game account was permanently banned for use of third-party automated scripts, which I did not install, authorize, or even have access to. 
The only party with login access during that period was the booster assigned by XXXX, which confirms that the merchants own contractoXXXX engaged in the prohibited conduct. 

XXXX of Events Transaction : Payment was processed via Capital One to XXXX  for a duo boost service. 

The purchase was made in late XX/XX/year> ( exact date available on the Capital One charge record ). 

Service Misrepresentation : XXXX explicitly advertises its services as manual, safe, and ban-free. Their own policy promises that no automated tools or account-sharing violations occur. 

Resulting Damage : Within days of the purchase, my XXXXXXXX XXXX XXXX account was permanently banned by XXXX XXXX  fraud detection system. 
XXXX  notice ( see Exhibit A ) stated : PERMANENTLY BANNED third-party tools detected. 
I never downloaded or executed any such tools. 

Admission of XXXX XXXX XXXX support admitted via email and chat that a Brazilian booster assigned to my order was responsible and that this person was subsequently fired for misconduct. Despite acknowledging internal fault, XXXX refused to provide a refund or compensation. 

Attempts to Resolve : Between XX/XX/year>, I exchanged multiple emails and support tickets with XXXX representatives. They continued to deny responsibility and refused to credit or refund my account. 

Evidence Provided : Exhibit A : XXXX XXXX  ban notice confirming third-party tool detection. 

Exhibit B : Game replay and log data showing mechanical precision consistent with automated scripts. 

Exhibit C : Chat transcript from XXXX acknowledging the boosters misconduct. 

Legal and Regulatory Violations Fair Credit Billing Act ( XXXX XXXX. XXXX ) This law protects consumers from billing for services not rendered as agreed. The service I paid for was not manual or safe as advertised. The resulta permanent account ban and total loss of in-game valueconstitutes a complete failure of service. 

Federal Trade Commission Act, 5 ( 15 U.S.C. 45 ) XXXX false claims of manual, risk-free boosting amount to deceptive business practices and false advertising under federal consumer protection standards. 

Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) If XXXX processed this payment through XXXX, XXXX, or similar instant-transfer systems, Discover or Capital One may have also failed their Regulation E obligations to investigate an unauthorized or fraudulent transaction properly. 

Consumer Harm Permanent loss of a game account valued at several XXXX dollars in cumulative purchases and time investment. 

Emotional distress and loss of personal digital property and achievements accumulated over several years. 

Merchant refusal to issue a refund after explicit acknowledgment of internal fault.

Company response to consumer: Closed with explanation