Consumer complaint received 2026-06-01 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:
TO : XXXX Card Dispute Investigation Team CARDMEMBER : XXXX XXXX XXXX / XXXX XXXX XXXX ( Underground Performance Gym ) CASE NUMBERS : Case Number XXXX : XXXX ( Dispute Amount : {$490.00} ) Case Number XXXX : XXXX / Network Case : XXXX ( Dispute Amount : {$1900.00} ) MERCHANT : XXXX ( XXXX XXXX XXXX XXXX ) DISPUTE TYPE : Services Not Rendered / Fraudulent & Unauthorized Billing After Immediate Account Termination FORMAL REBUTTAL AND STATEMENT OF EVIDENCE To Whom It May Concern, I am writing to formally request a human review and reinstatement of my dispute credits for the two cases listed above, totaling {$2400.00}. XXXX recently reversed these credits based on documentation provided by the merchant. However, the merchant has misrepresented the status of my account. I have enclosed irrefutable email evidence proving that the merchant explicitly agreed to terminate my account effective immediately and promised that no further charges would be processed. Background & Timeline of the Dispute : 1. XX/XX/year> Formal Termination Sent by Cardmember : I issued a formal notice of termination to XXXX XXXX due to a Material Breach of Contract, including sales misrepresentation, absolute non-performance ( zero services rendered ), and a data security impasse where they demanded sensitive information ( EIN, corporate documents ) not disclosed at signup. 2. AprilXX/XX/year> Merchant Acceptance and Billing Waiver ( XXXX XXXX XXXX ) : On XX/XX/year>, XXXX XXXX, the Billing & Client Operations Manager for XXXX XXXX XXXX XXXX, replied to my termination notice in writing. She explicitly stated : o '' ... were making a one-time exception to waive the 30-day notice and will proceed with closing your account effective immediately. '' o '' No further payments will be processed for the XXXX XXXX program. This email serves as confirmation that your account has been closed. '' 3. XX/XX/year> Cardmember Response : I responded immediately confirming my acknowledgement that billing had ceased effective immediately and reiterated that because no services were ever rendered, I would continue to let my financial institution handle the dispute for the initial onboarding fees. Why the Merchant 's Counter-Evidence is Void : Any contract, terms of service, or login logs the merchant provided to XXXX to win the initial dispute rounds are entirely irrelevant. The merchant legally waived their standard contract policies in writing on XX/XX/year>, when their Billing Manager formally executed an immediate account closure and explicitly promised that no further payments would be processed. Regarding Case 1 ( {$1900.00} ) : This charge constitutes fees for onboarding and a program where the merchant completely failed to perform, leading to an immediate impasse before any services of value were rendered. Regarding Case 2 ( {$490.00} ) : If this charge was processed near or after the termination date, it directly violates the merchant 's explicit, written confirmation that " no further payments will be processed. '' It is an entirely unauthorized and fraudulent charge. Requested Action : Please review the attached complete email string between myself and XXXX XXXX Billing. The merchant 's own words prove they closed the account immediately and agreed to stop all billing. I request that XXXX immediately reverse these charges, credit my account permanently for {$490.00} and {$1900.00}, and remove the " disputed account '' status flags from the Consumer Reporting Agencies ( XXXX, XXXX, XXXX, XXXX ). Sincerely, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX / XXXX XXXX XXXX XXXX : ( XXXX ) XXXX Cell : ( XXXX ) XXXX CRITICAL UPDATE FOR INVESTIGATOR : XXXXXXXX XXXX online portal is actively locking me out from uploading new evidence for Case Numbers XXXX and XXXX, stating the " feature is not available. '' XXXXXXXX XXXX front-line phone agents have refused to transfer me to a supervisor or provide the name of an investigator. I am attaching the ironclad, written merchant billing waiver to this CFPB complaint because XXXXXXXX XXXX internal systems are preventing me from submitting it directly within my 10-day appeal window.

Company response to consumer: Closed with non-monetary relief