Consumer complaint received 2025-06-24 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: NE

Complaint narrative:
XXXX XXXX Initially submitted to Cap One XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX RE : Cases : XXXX, XXXX, XXXX & XXXX Ill begin by stating that all ( 4 ) of these cases are identical in that they all reference Airline Tickets purchased through who I thought was XXXX, but billed out individually by the Merchant ( XXXX XXXX ) The initial XXXX call was placed on XX/XX/XXXX. Tickets were transacted to my Capital One XXXX on XX/XX/XXXX and Posted on XX/XX/XXXX ( See attached Statement details ).. 
Unfortunately, the Phone Number I called was an XXXX Fraudulent Travel Agent in XXXX who did reserve my trip on two separate CCs ( XXXX & Capital One ). 
Initially, we were unsure which of the charges were legitimate and which ones were fraudulent and on which card? That was the reasoning for my initial dispute with the Capital One charges from XXXX XXXX on XX/XX/XXXX in the amount of {$990.00} x ( 6 ) Air Tickets. 
Upon further review and by working with the XXXX dispute people, we were able to determine which items/charges were legit and on which card. Unfortunately, I had already started the dispute process with Capital One and was unable to quickly stop or end my dispute. We did intend to take this vacation so I was still hopeful we would have this resolved in time for our trip on XX/XX/XXXX. I made every attempt to unwind the dispute I initiated between Cap One and XXXX XXXX. 
Eventually, we were able to have ( 4 ) of the ( 6 ) disputed charges Dropped and processed/invoiced to me correctly, however, I was not able to control or communicate with both back offices to allow the last ( 2 ) charges to go through. The Recharges took place on XX/XX/XXXX and XX/XX/XXXX ( See attached ) As we approached our travel dates, I ultimately ran out of time and with the guidance of both XXXX XXXX XXXX XXXX and many hours on the phone, we concluded that the safest way to ensure our trip was secured was to cancel our initial bookings and rebook. This is what we did and you can see the rebooked charges on my capital one dated XX/XX/XXXX ( See attached ). 
I have ( 2 ) Claim Number References that were given to me by the XXXX XXXX Customer Service Rep. They are XXXX and XXXX. These are the claim number associated with the chargeback on their end and tie together this incident from their side. 

So, what I asked for was to reinitiate a dispute on the remaining ( 4 ) charges or Purchase Adjustments that were Reassessed on XX/XX/XXXX & XX/XX/XXXX. There are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXch at $ XXXX/each or {$3900.00} total. 
Again, because we were not able to resolve the initial booking issues prior to our trip and at the advisement of both XXXX and XXXX XXXX, I cancelled that booking and rebooked with updated charges on XX/XX/XXXX. 

To reiterate, of the ( 6 ) identical initial charges, ( 2 ) have been properly Credited back to my Capital One account. The remaining ( 4 ) have not. I have and am readily able to supply all of the background documentation. 

I appreciate that this is convoluted & long and would be happy to discuss or talk through to fill in any information I may have left out. 

Sincerely, XXXX XXXX Capital One XXXX Cases : XXXX, XXXX, XXXX & XXXX

Company response to consumer: Closed with explanation