Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I sent Capital One a letter on XX/XX/XXXX with disputed transactions from an illegal merchant that defrauded XXXX by coding transactions wrong also the merchant decided to lock me out of my account from the goods and services I paid for. I sent Capital One all information needed for my dispute including proof that the site is illegal in the XXXX & that money laundering/ fraud was committed by the merchant. The reasoning behind my dispute being denied doesnt make sense saying I lacked previous requested information but then for some of the transactions you say you are waiting to hear back from the merchant like it doesnt make sense do an investigation as required by law instead of sending me forms to fill out if you knew u were going to deny it from the very beginning but wanted to waste my time since the account is closed. I will not be paying for the transactions because I no longer have access to the account nor was it done legally as fraud has taken place & that merchant is doing illegal activity as it was shown as proof with you all from the very beginning. There was no investigation done & I was sent contradicting information based off the information that was sent to me for multiple transactions. Seems to me premeditated denial because the letterhead has the same dates when you are telling me your waiting on the merchant then saying my information sent lacks all requested information. There were denials the next day before I was able to even send in the additional information saying my additional information lacked requested information when I was given a deadline of XX/XX/XXXX & it is only XX/XX/XXXX it doesnt make sense there couldnt had been an investigation done. Then says the time limit for the dispute transaction on XX/XX/XXXX has expired but then for a transaction on XX/XX/XXXX a temporary credit was issued and was included in the XX/XX/XXXX deadline. Wouldnt that transaction that happened at a later date XX/XX/XXXX not be investigated if that was the legit reason on why the dispute was denied instead it was given the deadline XX/XX/XXXX for more information. The denials were all over the place with any reason selected for denial just to not have to do a lawful investigation. Below also shows the information of the illegal activity by the merchant. Here is my detailed information the letter said sent to Capital One when requesting the dispute : The transactions below I am disputing for goods and services that are with an illegal unlicensed gambling operator that is not legal in the XXXX. I didnt receive the full amount of service I should have been credited for based on the amount I was billed. I was unaware that the site is illegal because the website says that the XXXX jurisdiction is not restricted from their website so I believed it to be legal. I did research on the merchant after realizing they are using third party processing which is a middle person made me think that there is potential money laundering. I then researched XXXX laws the merchant VIP BUSINESS SERVICES are not legally able to receive funds from XXXX residents as it is an illegal offshore gaming site not regulated by the XXXX. The merchant masked their transactions and coded them differently otherwise the transaction wouldnt had processed. The merchant is using a foreign third party even though on the billing statement it says that the transaction was based out of California but it was not and that is not the location of the merchant VIP BUSINESS SERVICES just used that to mask their location making it seem to be a legitimate XXXX based company masking their true identity from the bank. ( I provided information that shows that the website is saying that everything is originated from XXXX XXXX which means the California showing on the statement transaction is not legit. ) The confirmation email is used to show a fake purchase of leads with fake contact information. I have been locked out of the link to view the transaction but I also provided the email confirmation of the fake product of information that was purchased from VIP BUSINESS SERVICES of what VIP SERVICES claim to provide me but in reality the information was not legit information ( when I had access ) and was just used to mask the actual transaction which you could see is an illegal online gaming website. I believe I was scammed by this site operating illegally making me believe that the site was legitimately an accepted legal site in the XXXX. I provided proof that there is a third party involved based off information on their site vipclub.lv. Lastly, once raised my concerns to their attention I was blocked from the platform and do not have any access to the service that was purchased. 

Under Federal Law : The Unlawful Internet Gambling Enforcement Act of XXXX is United States legislation regulating online gambling. 

XXXX focuses on the financial aspects of illegal internet gambling by regulating payment methods. It prevents gambling businesses from knowingly accepting payments for internet wagers that are unlawful under federal or state law. The law requires financial institutions to identify and block " restricted transactions '' and encourages international cooperation to enforce the law and investigate money laundering. 

Platinum Card Account Number Last XXXX : * * * * Transaction : XX/XX/XXXX Amount : {$100.00} Transaction : XX/XX/XXXX Amount : {$100.00} Transaction : XX/XX/XXXX Amount : {$100.00} Transaction : XX/XX/XXXX Amount : {$150.00} Transaction : XX/XX/XXXX Amount : {$150.00} Transaction : XX/XX/XXXX Amount : {$150.00} Transaction : XX/XX/XXXX Amount : {$210.00} Transaction : XX/XX/XXXX Amount : {$210.00} Transaction : XX/XX/XXXX Amount : {$120.00} Transaction : XX/XX/XXXX Amount : {$100.00} Transaction : XX/XX/XXXX Amount : {$120.00} Transaction : XX/XX/XXXX Amount : {$90.00} Transaction : XX/XX/XXXX Amount : {$120.00} Transaction : XX/XX/XXXX Amount : {$27.00} Transaction : XX/XX/XXXX Amount : {$100.00} Transaction : XX/XX/XXXX Amount : {$120.00} Transaction : XX/XX/XXXX Amount : {$260.00} Transaction : XX/XX/XXXX Amount : {$20.00} Transaction : XX/XX/XXXX Amount : {$75.00} Transaction : XX/XX/XXXX Amount : {$53.00} Transaction : XX/XX/XXXX Amount : {$100.00} Transaction : XX/XX/XXXX Amount : {$150.00} Transaction : XX/XX/XXXX Amount : {$120.00} Total Amount {$2600.00} ALL TRANSACTIONS LISTED ABOVE ARE WITH THE MERCHANT NAME ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation