Consumer complaint received 2025-09-02 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: MA

Complaint narrative:
Rebuttal to Capital Ones Response Billing Dispute To : Consumer Financial Protection Bureau Date : XX/XX/2025 From : XXXX XXXX, before XXXX XXXX Email : XXXX Re : Capital One Savor Credit Card, Account Ending in XXXX To Whom It May Concern I am submitting this rebuttal to address Capital Ones inadequate response to my formal dispute, filed on XX/XX/2025, under the Fair Credit Billing Act ( FCBA ) ( 15 U.S.C. 1666 ), regarding a billing error on my Savor Credit Card ( account ending in 2170 ). Capital Ones response fails to address the core issue of duplicate temporary credits that misrepresented my available balance, leading to unintended financial consequences. 
On XX/XX/2025, I made a purchase of {$1100.00} from XXXX and XXXX, which was canceled by the merchant on XXXX XXXX XXXX due to Capital Ones fraud flagging. Capital One then posted two temporary credits for this transactionone on XX/XX/2025, and another on XX/XX/XXXX, XXXXincorrectly inflating my available credit. This error misled me into believing I had sufficient credit to make non-essential purchases totaling {$720.00} between XX/XX/XXXX and XX/XX/2025. Had my available balance been accurately reflected, I would not have made these purchases. 
On XX/XX/2025, the merchants final refund replaced one temporary credit, but Capital One never addressed the duplicate credit or its impact on my account. 
Capital Ones Inadequate Response on XX/XX/2025 Capital Ones response to my dispute only acknowledged a single temporary credit and the merchants refund, completely ignoring : 1. The issuance of two temporary credits for a single transaction.

2. The failure to correct those errors promptly.

3. The financial impact of their misrepresentation of my available credit.

This response violates the FCBA and Regulation Z ( 12 C.F.R. 1026.13 ), which require creditors to investigate and resolve billing errors, including those caused by system inaccuracies. 
Supporting Evidence : My original dispute included : XXXX. Account statements showing duplicate credits. 
XXXX. A list of purchases ( {$720.00} ) made due to the inflated balance. 
XXXX. Communications with Capital One and XXXX and XXXX confirming the cancellation. 
XXXX. Records of Capital Ones delayed and inadequate customer service responses. 
Despite this evidence, Capital One provided no resolution or acknowledgment of their error. 
I respectfully request the CFPBs assistance in : XXXX. Investigating Capital Ones issuance of duplicate temporary credits and their failure to address this error. 
XXXX. Securing a refund or credit of {$720.00} for charges incurred due to their misrepresentation of my available balance. 
XXXX. Reviewing Capital Ones procedures for issuing temporary credits and ensuring account balance accuracy during disputes. 
XXXX. Requiring Capital One to acknowledge and correct their oversight in compliance with FCBA guidelines.

This issue has caused financial hardship and emotional distress, undermining my trust in Capital Ones practices. I am also filing complaints with the XXXX XXXX XXXX  the Office of the Comptroller of the Currency, and my State Attorney Generals Office to ensure accountability. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this dispute.

Company response to consumer: Closed with explanation