Consumer complaint received 2025-06-30 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: IA

Complaint narrative:
This is the bulk of my letter to the CapitalOne XXXX, XXXX XXXX. 
In a summary : CapitalOne told me they cancelled a subscription for me then told me they made mistakes in stopping it, then charged me again and said it was my fault, although I have proof from them telling me it was cancelled. 

My issue revolves around Capital Ones subscription cancellation service. 
I had a subscription with XXXX 
On XX/XX/XXXX I received an email confirmation from Capital One that said my service had been canceled ( per my request based on a notification I received from Capital One offering this service ). 
On XX/XX/XXXX I called customer service because this charged showed up on my Expected Transactions tab. The customer service agent informed me that it was based on past transactions and that I wouldnt really be charged because of the cancellation notice. 
XX/XX/XXXX I called back because I got a notification I was charged. XXXX told me nothing could be done because it was still in pending and wouldnt go through. 
On XX/XX/XXXX after the charge went through, XXXX informed me that someone made a mistake and that a token in the system was not deactivated which is why the charge went through. She would do a charge back, I would get a credit, and wouldnt be charged again. 
After being charged AGAIN in XXXX, I called back. I was informed that they didnt know what had happened but would do another chargeback and would make sure they didnt charge again. But XXXX informed me that is my my responsibility to cancel the account. I asked why I would have to do that when Capital One had informed me it was cancelled? He made me feel like it was my fault for trusting Capital One to do what they had told me they were doing. It was like he knew Capital One was committing fraud and knew they werent doing what they said they did. 
On XX/XX/XXXX I was charged again for the original chargeback request. 
I requested a new card because I didnt want my old number charged again and I went without a card for the next 10 days. If they knew Capital One couldnt do what they said why wouldnt a customer service agent suggest this action earlier? 
On XX/XX/XXXX I was charged again for the second chargeback request. 
On XX/XX/XXXX XXXX transferred me to XXXX ( who rightly or wrongly confirmed this to be fraud ), who transferred me to XXXX in fraud who basically informed me its MY fault because even though Capital One told me its cancelled, they didnt really cancel the service. They are saying it was MY responsibility to cancel with the provider, then why do I need Capital One to do it? Why offer that service? Why did no one in my initial calls tell me I still had to call the provider? As a matter of fact, I was told why CapitalOne had failed to stop the charge. 
I find this misleading at best, fraud at worst. 
I am requesting a refund of my {$320.00} which is the amount I was charged in XXXX, XXXX, and XXXX. Im not asking for additional compensation for stress, or interest, or fraud, or lost time dealing with this issue at this time. 
XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief