Consumer complaint received 2025-04-20 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: CA

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : I am writing this letter to explain what I believe was the improper, fraudulent, and illegal conduct by The XXXX University, XXXX Capital One, and possibly XXXX. 
In XXXX of XXXX, I signed up with a company called The XXXX University. My representatives from The XXXXXXXX University, XXXX and XXXX, sent me the contract to sign, and charged my credit card {$8900.00}. The contract I signed was for a done for you service, where The XXXXXXXX University finds and negotiates for me a property that I can operate as a short term rental. The contract states they are to provide this within XXXX days, as well as an annual mentorship program, and lifetime access to their learning materials. 
By XXXX, since the service had not been provided, and essentially they had not performed according to the contract, I asked to cancel and get a refund. I reached out to XXXX, who was my main point of contact at The XXXXXXXX University to cancel. After a couple of times when she didnt respond, I called Capital One to dispute the credit card charge. 
Once I began the dispute with Capital One I learned that the company who actually charged my credit card was called XXXX. I had never heard of XXXX, had had no dealings or interaction with them at all. I had never signed any contracts or agreements with them. And was not familiar with how they were even affiliated with The XXXX University. 
From that point forward, Capital One kept denying my claim stating that I didnt provide proof that I had reached out to the vendor to try to resolve things myself. However, I provided screenshots of my emails to The XXXXXXXX University, and a screenshot of an email from XXXX stating that now that they have received a chargeback from me, I would not have access to get in contact with them and that my membership with The XXXXXXXX University was cancelled. In addition the email stated I was removed from the program. I had done everything in good faith to try to resolve this matter with The XXXX University. 
In a further act of fraud this company called XXXX sent Capital One a document stating no refunds that they had never given to me, never emailed me, never snail-mailed to me, and that I never signed and was not even aware of because again, my dealings and interactions when signing up were with The XXXXXXXX University only . The XXXXXXXX University contract ( the one I signed ) only states no refunds only if youre kicked out of the group for a violation of some sort ( which I did not commit any violation ). 
I emailed to Capital One every piece of email correspondence, my contract with The XXXX University, and multiple XXXX explaining what happened. 
In summary, I paid The XXXX University for a service I didnt receive and Id like my money back. I never signed up with WHOP.COM so how they have the right to claim I should have known their refund policy when XXXX was not provided to me is absolutely ludicrous. And Capital One, being that I am their customer, had an obligation to protect me as a consumer, which they failed to do. 
For this reason I am filing an official complaint with any and all federal consumer protection agencies I am allowed to, including but not limited to the CFPB, the FTC, the XXXX, and will also potentially seek legal representation. 
All copies of relevant emails and other documentation are included in this claim. Your prompt attention to this matter is greatly appreciated. 

EVENT TIMELINE : XX/XX/XXXX contract signed with The XXXX University XX/XX/XXXX XXXX email to XXXX from The XXXX University asking for a refund ( I received no response ) XX/XX/XXXX XXXX email to XXXX asking for a refund ( I received no response ) XX/XX/XXXX Dispute XXXX opened with Capital One XX/XX/XXXX email received from XXXX telling me my XXXX University membership has been cancelled. 
XX/XX/XXXX Capital One closes the dispute claiming they didnt get what they needed from me in time even though they say they only notified me via their app which I dont use. They failed to notify me via mail. 
XX/XX/XXXX I called Capital One to complain that Im not being heard, and they re-open my dispute again and ask for more documentation which I provide. 
XX/XX/XXXX Capital One closes the dispute again. 
XX/XX/XXXX I called Capital One to complain again, and they re-opened the dispute. They said my docs werent reviewed properly and they would take another look. 
XX/XX/XXXX I emailed XXXX, XXXX, XXXX, and XXXX from The XXXX University asking once again for a refund of my {$8900.00}. 
XX/XX/XXXX Capital One closes the dispute again. 
XXXX since I called in to complain, Capital One re-opens the dispute again. 
XX/XX/XXXX later on that same day, Capital One closes the dispute again. 
XX/XX/XXXX I emailed XXXX, XXXX, XXXX and XXXX from The XXXX University asking once again for a refund of my {$8900.00}. 
XX/XX/XXXX I receive an email from XXXX of The XXXX University explaining that XXXX is simply our merchant and payment processor ( This email evidence is provided with this claim ) XX/XX/XXXX I emailed XXXX, XXXX, XXXX, and XXXX from The XXXX University asking once again for a refund of my {$8900.00}. 
XX/XX/XXXX XXXX, from The XXXX University texted me saying from what I was told we were able to refund you yes? ( Text message screenshot is provided with this dispute ). 
XX/XX/XXXX I emailed XXXX, XXXX, XXXX and XXXX from The XXXX University again, asking once again for a refund of my {$8900.00}. 
XX/XX/XXXX I texted XXXX, from The XXXX University asking once again if he knew the status of my refund- he texted me saying they didnt like the way you handled everything.

Company response to consumer: Closed with explanation