Consumer complaint received 2025-03-26 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: CT

Complaint narrative:
To CFPB Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I am submitting a complaint against Capital one. Specifically charges made to my Capital one XXXX XXXX XXXX. I am requesting a chargeback under the category of goods and services not received/ goods and services not as expected. 
I made contact with Capital One regarding this on the following dates XX/XX/XXXX initiated chargeback XX/XX/XXXX Denial document requesting more information XX/XX/XXXX Denial Spoke with representative. Sent in more info XX/XX/XXXX Denial. XXXX with XXXX needed more info on XXXX XXXX. Sent XX/XX/XXXX Denial Spoke with XXXX needed more info on attempt to return merchandise. XXXX Sent XX/XX/XXXX Denial Spoke with rep. Wanted info regarding Terms of XXXX and any other info related to vendors evidence. Sent XX/XX/XXXX Denial. I have not called. I am submitting this request for help at this point. 
Of note. All of this info was included in original rebuttal. Each Denial letter said the exact same thing While we have received your request it lacks all of the previously requested information. I feel at this point no matter what I submit they will deny. Of note they have already granted XXXX chargebacks earlier in the month relating to this same issue. 
There are XXXX separate chargebacks but they all are the same thing. The case XXXX  XXXX are found on my original chargeback letter. 
I am attaching these above documents. 
My chargeback was requested for charges made to XXXX XXXX for compounded weight loss medication. The website had advertised medication from trusted compounding pharmacies in the United States. Also verbiage related to certified. On that basis I ordered medication. To fast forward end of XXXX it was discovered they did not have a compounding license which is required and the XXXX XXXXXXXX was investigating them for this violation. Among other things not maintaining sterile conditions, no gloves, handwashing etc. 
Also storage of medication outside of authorized areas as well as not maintaining proper temperature. These medications need to be kept in refrigeration. Also not keeping records of patients and medications. And not having an identifiable pharmacist. Finally they were sending medication out of state where they had not license to do so. This IS NOT the medication I was promised, It is not from a trusted licensed pharmacy and its purity and safety are definitely under question as evidenced by the XXXX XXXX 
XXXX has tried to defend themselves by saying that had she vials tested and they were sterile. 
He claims no worries all from same batch. Really XXXX, XXXX and XXXX? 
Pharmacy sited for not even keeping records. Then he tried to say they were outsourced to compounding pharmacies. Those he mentioned deny this and further all my medications carry the XXXXXXXX XXXX  XXXX stated if your label says XXXX it came from XXXX. 
Additionally several experts have stated this medication should not be used. This is an liquid medicine administered with a syringe! 
I have tons of evidence from a variety of sources on all topics and have tried my best to answer all of their questions. I am upset about a credit card company protecting a vendor over their customers especially to me I have no idea on what basis they are claiming I got what I paid for. 
I got but not what I paid for. It should be noted we had no choice in pharmacy and had to pay before medicine was ordered and shipped. 
My expected outcome is they will do the right thing and refund the charges to my card. I have gotten no credible explanation of the denial. 
I will attached my original letter for chargeback. 
I will attach a sample of my denial. They all look exactly the same and I have given you the dates. 
Proof of payment from XXXX. 
Documentation showing XXXX never had a compounding license as well as the final XXXX  XXXX report shutting it down. I will also include the fact that the medicine was illegally shipped to me through the mail. 
This is a complex issue I know. Its not like a received a knock off XXXX bag and can send it back. In closing right know I feel like I am XXXX XXXX and they are XXXX. Every time they convince me to kick the football they move it. Super frustrating. Please help.

Company response to consumer: Closed with explanation