Consumer complaint received 2025-12-14 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: TX

Complaint narrative:
XXXX XXXX Capital One Bank XXXX XXXX XXXX Credit Card XXXX XXXX XXXX to Follow XXXX, Regulation Z, and XXXX Rules I am filing this complaint because Capital One failed to properly investigate and adjudicate multiple disputes related to a merchant, XXXX XXXX. The merchant misrepresented their services, delivered defective or unusable services, and engaged in misleading marketing. I submitted extensive evidence, yet Capital One repeatedly issued template denials, misapplied XXXX rules, and ignored the Fair Credit Billing Act. 

XXXX. Capital One misapplied XXXX rules and claimed a rule that does not exist Multiple supervisors stated the following : If even 1 % of a service is delivered, XXXX rules require us to deny the dispute. 
I repeatedly asked for the exact XXXX rule. Capital One did not and could not provide it. 
Based on all publicly available XXXX Operating Regulations for Reason Code XXXX ( Services Not Provided/ Not as Described ) and XXXX ( Misrepresentation ), no such rule exists. 
The standard is whether the service was as described, not whether any portion was delivered. 
XXXX Ones denial is therefore based on a false interpretation of XXXX rules. 

XXXX. Capital One improperly relied on the merchants refund policy Capital One repeatedly told me that the merchants no-refund policy prevented a dispute. 
This is a direct violation of XXXX and XXXX rules. 
A merchants internal refund policy is not a valid basis for denying a chargeback when : Services were misrepresented XXXX did not match what was advertised XXXX were defective or unusable Material terms were omitted or misleading The merchant refused resolution I provided evidence showing all of these. 

XXXX. XXXX materially misrepresented their SEO services XXXX marketed Premium SEO Blog Posts and SEO Packages using terms such as : XXXX premium SEO posts Top-quality visuals that impress and engage Free organic traffic Evergrowing profits Brand credibility High quality SEO backlinks Custom SEO strategy White hat SEO Professional support Additionally, their SEO package page advertises : Guest posts with backlinks Product overview article writing Articles on XXXX News XXXX Increase domain authority Search engine submissions However, when I questioned the quality of the articles, Sellvia sent XXXX an email admitting : The articles provided are not meant to serve as exclusive editorial content. 
XXXX chooses XXXX version to rank while disregarding the others. 
They function as SEO-supporting assets. 
This is a direct admission that the articles were : Not exclusive Not premium Duplicated across many customers Not capable of generating organic traffic Not consistent with the marketing descriptions This is textbook misrepresentation under XXXX Reason Code XXXX. 

XXXX. Capital One ignored evidence and failed to conduct a reasonable investigation Despite submitting : Detailed dispute letters Screenshots of merchant misrepresentation Screenshots of refusal to resolve the issue Email admission from XXXX proving non-unique, low-quality content Proof of hidden fees and financial losses Timeline documentation Requests for clarification Capital Ones denial letters were generic and stated : Your response lacked the previously requested information. 
This is false. 
Under XXXX, Capital One was required to : Perform a reasonable investigation Review all evidence Explain the decision based on facts and regulations Capital One did not do this. 

XXXX. Capital One refused to provide documentation it is legally required to produce I requested : Internal dispute notes The merchants evidence package The specific XXXX rule relied upon The exact reason code used Written justification under XXXX Capital One refused or failed to provide these. 

Request for CFPB XXXX I request that the CFPB : XXXX. Require Capital One to reopen all disputes for proper investigation. 
XXXX. Require Capital One to produce the documentation and rule citations I have requested. 
XXXX. Determine whether Capital One violated XXXX and XXXX XXXX. 
XXXX. Require Capital One to reverse all improperly denied disputes. 
XXXX. Examine whether XXXX Ones dispute handling practices constitute systemic noncompliance. 

Thank you.

Company response to consumer: Closed with explanation