Consumer complaint received 2025-03-11 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:
I had gotten my car repaired at a body shop located in XXXX XXXX, California called " XXXX XXXX XXXX XXXX '', but I have experienced severe conflict within this business and my credit card company " Capitol One Business ''. The credit card company is not following any protocols and is siding with the business that is committing active fraud. XXXXXXXX XXXX XXXX XXXX intentionally frauded me with overcharged car parts and didnt perform proper labor. I am writing to formally dispute charges made to my credit card account regarding services rendered by XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, California. I am requesting a full refund of the amount charged, as the business engaged in fraudulent and illegal activities, which include threats, false promises of refunds, and failure to properly repair my vehicle. I am providing detailed information on the matter, screenshots of texts, pictures of unrepaired repairs, supported by relevant California law, to support my claim. I am also providing UNSIGNED Documents needed from me to process the payment. 
After initial communication and sending pictures of the defect repair and agreement on the scope of work, the body shop failed to complete the repairs within the agreed-upon time. I already bought my vehicle at once, but it still had defects which required multiple trips to the body shop. This was a waste of time on my end, resources, and emotional damage as I had to deal with threats from the body shop and my customers. I had to wait nearly 2 months for a car to be fixed, despite the damages being very minimal. Despite my multiple follow-ups, they continuously promised to fix my car and refund me for services that were not completed. However, when I returned to the body shop for repair, the body shop fraudulently requested additional {$830.00} for supplement because they had to hire a third party body shop to look at electric cars but there was no mention of this at all from the body shop, the website, or anywhere does it state they charge additional {$830.00} for electric vehicles. After a solution discussion, the body shop agreed to refund the {$830.00} but failed to do so. Additionally, on XX/XX/year>, I was threatened by a representative of the body shop when I attempted to escalate the matter or seek a refund. I also have a voice memo recording from the body shop trying to commit charge fraud. He keeps telling me to give him {$10000.00} cash. The body shop threatened me and said that I should not contact him any longer and that he was seeking an attorney and to see him at court. While in the body shop, he threatened me to keep paying him multiple times as well. The body shop also is holding my car part belongings hostage as I requested the body to return my car parts or I will pursue a police report. After I requested a chargeback from the credit card company, the company itself kept calling/emailing threatening me to sign documents that are related to service satisfaction. The credit card company from the body shop kept saying that I am obligated to sign the car satisfaction paper but I did not want to comply because the car was NEVER repaired properly in the first place. He then acknowledged that if I do NOT sign this paper, he can not give the PAYMENT to the BODY SHOP. Here is proof that they are not allowed to release the funds until I sign the paper document. 

I have provided all the necessary documents to capitol one and they never properly even sent me my documents for claim and I want to write a formal report about this.

Company response to consumer: Closed with explanation