Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
On XX/XX/XXXX, I ordered from XXXX. Online Mens Pants for {$100.00}, and a Video Surveillance Adapter for {$11.00}. 

On XX/XX/XXXX, I noticed a Charge of {$200.00}. Purchased at Walmart. Online, Purchased : Sat. XX/XX/XXXX, Posted : Mon. XX/XX/XXXX, Purchased by : XXXX XXXX. 

Since I did not make this purchase. I immediately called Walmart. Online and they confirmed that I did not make a purchase for {$200.00} on XX/XX/XXXX or any other day. I was told to dispute it with Capital One and let them know that all of their purchases have purchase numbers. Without a purchase number there is no Purchase with Walmart. The number is your purchase Identification and is used to track the orders and to return your merchandise ect.

After speaking to Walmart. online Customer Support. I called Capital One to dispute the charges for {$200.00} but the refused to accept the dispute and told me to work it out with Walmart. During the month of XX/XX/XXXX, I made several attempts to have Capital One dispute the Fraudulent charge of {$200.00} but they refused to accept my dispute. 

On XX/XX/XXXX, I was lucky to find an agent that agreed to get me and Walmart. online on a three way call to confirm the Charge of {$200.00}. After the Walmart. online Customer Service Representative told her that their was absolute no charge made by me on XX/XX/XXXX for {$200.00}, and on no other day, she told me to close my card account ending in XXXX and issued me a new account with card ending in XXXX, and send me a confirmation letter about the case being investigated and issued a case number XXXX. 

On XX/XX/XXXX, they recharged my Account for {$200.00} for the Temporary Purchase Adjustment Credit of XXXX. When I signed into my credit card account I had to search for an explanation why they recharged my account although Walmart. online Customer Service Representative had witnessed that their was no purchase for {$200.00} on XX/XX/XXXX or any other day made on my behalf to my account. 

The Dispute letter I finally located was a total insult to me. It also did not mention the confirmation conversation Capital One and I had at our 3 way phone call on XX/XX/XXXX. On my Walmart. Online web page is nothing showing about this none existing purchase.

In the dispute letter regardless of Walmart witnessed in our 3 way call with an dispute agent from Capital one on XX/XX/XXXX, i and other users were accused of the a nonexistent purchase charge mostlikely created by Capital One Employees. The three way call with Walmart. Online and one of their dispute agents was never mention in their dispute letter.

I have always made payments on time or before due dates. If I have to settle this matter in a court room I will and have Walmart. Online supinated. I have big saving in their 360 plan and now the Capital one is stealing from me creating a none existing purchase. I will take my business somewhere else as soon as I can close their credit card account. I blocked the new card, I hope your agency can help me to close my credit card account ending with XXXX before they add more none existing purchases. Thanks. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation