Consumer complaint received 2026-05-27 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: NJ

Complaint narrative:
RE : Capital One Dispute Case Numbers : XXXX ( {$1100.00} ) AND XXXX ( {$550.00} ) Total Disputed Amount : {$1600.00} plus all associated interest and finance fees I am filing a formal complaint against Capital One for gross negligence, billing inaccuracies, and a severe failure to conduct a reasonable billing error investigation under the Fair Credit Billing Act ( FCBA ). The dispute department closed my cases, assigned the balances to my accountwhile offering a non-sensical, automated {$7.00} interest credit on the smaller balanceeffectively validating an international merchant 's unverified documentation. Capital One accepted an initial order estimate slip dated XX/XX/XXXX as " proof of delivery. '' Under network regulations, an order slip establishes an authorizationit IS NOT a delivery slip and does not prove fulfillment of custom goods. The dispute team has been severely negligent by completely ignoring these fatal flaws and contradictions in the merchant 's paperwork : XXXX. COMPLIANCE FAILURE & RESOLUTION ERRORS ( EXHIBIT XXXX ) : Capital One 's own internal dispute resolution forms ( Exhibit XXXX ) explicitly state the merchant failed to provide any past or future delivery date for the non-received merchandise. Furthermore, the merchant ran my card twice for duplicate fraudulent amounts ( {$1100.00} and {$550.00} ). Capital One completely failed to identify the parallel duplicate fraud loop, mathematically butchered the disputed amount on their own forms as {$540.00} instead of {$550.00}, and blindly accepted a raw XX/XX/XXXX order estimate slip ( Exhibit XXXX ) as " proof of delivery. '' Under network regulations, an initial order slip establishes an authorizationit IS NOT a delivery slip. XXXX. SIGNED AND STAMPED CANCELLATION ACKNOWLEDGMENT ( EXHIBIT XXXX ) : I have provided an official document written on the merchant 's own business stationery and notebook paper bearing the shop 's name and contact information ( Exhibit XXXX ). Because the merchant claimed he did not know how to process a credit card refund or write in XXXX, I wrote out the transaction details and rupee amounts under his direction. Crucially, the merchant signed his name, wrote his shop name, and applied his official business stamp to this document. This is an explicit, written admission by the merchant that he charged my cards and failed to process the required refunds. The bank has ignored a document stamped by the merchant admitting he holds my funds. XXXX. THE DEPOSIT REFUND TIMELINE PROVES CANCELLATION : To place the order, I originally gave the merchant a separate {$1100.00} USD cash deposit. Following my formal cancellation on XX/XX/XXXX due to his tax violations, it took over a week of continuous disputes to force the merchant to return the equivalent of that cash deposit in small, fragmented installments of XXXX XXXX to my husband. The merchant 's slow, multi-day cash repayment process completely refutes his claim to the bank that this transaction was a simple, finalized sale delivered on XX/XX/XXXX. It proves the contract was canceled, unfulfilled, and heavily disputed while I was still in-country. XXXX. THE MATHEMATICAL PROOF OF MERCHANDISE ARBITRAGE & XXXX PRECEDENT ( EXHIBIT XXXX ) : XXXX successfully processed a merchant credit adjustment for this exact cross-border fraud case under XXXX XXXX Number XXXX. XXXX 's final statement ( Exhibit XXXX ) completely exposes the merchant 's cross-border fraud strategy. The merchant is a master manipulator who issued a deceptive manual partial credit of {$1000.00} directly to my XXXX account to shortchange the original {$1100.00} charge. The merchant is now using the receipt from this single, partial XXXX credit as a fraudulent piece of " evidence '' sent to Capital One to claim they settled the entirely separate {$1100.00} and {$550.00} transactions. This statement mess proves the merchant is running a multi-bank arbitrage scheme, using XXXX partial bank payment to counterfeit resolutions across XXXX distinct financial institutions. XXXX. ANTICIPATION OF XXXX XXXX & PATTERN OF ILLEGAL ACCOUNTING ( EXHIBITS XXXX XXXX ) : The merchant operates a storefront with security cameras. I formally warn the investigator that the merchant may attempt to submit XXXX footage of me holding my own personal engagement ring to fake a delivery. I brought my pre-owned engagement ring into the shop to fix loose diamonds. The merchant ultimately charged me nothing ( {$0.00} ) due to our confrontation. I possess older, historical photo documentation ( Exhibit XXXX ) and the original unlined XXXX wedding estimate slip ( Exhibit XXXX ) featuring the company colors and header from when we originally purchased the ring. Exhibit XXXX itemizes the original XXXX rings in XXXX script, establishes the complete physical history of the engagement ring I already owned, and exposes an institutional generational pattern of this merchant utilizing informal, non-tax compliant 'Estimate ' stationery to conduct transactions off the federal books. XXXX. THE FRAUD FREEZE TIMELINE CONTRADICTION ( EXHIBIT XXXX ) : The duplicate terminal slips the bank accepted as " proof of delivery '' ( Exhibit XXXX ) are dated XX/XX/XXXX. On this exact date, Capital One 's own fraud department had completely frozen the funds as a suspected fraud hold. The funds did not clear for several days. It is a logical and physical impossibility for a merchant to manufacture and deliver finalized, custom-stamped merchandise on the exact same day the funds were frozen and completely unpaid. XXXX. ILLEGAL CONTRACT FORMAT & NO DESCRIPTION ( EXHIBIT XXXX ) : Under XXXX federal law, a legal jewelry tax invoice must itemize the specific product type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The slip provided by the merchant ( Exhibit XXXX ) generically says " jewelry '' with no description or breakup. Furthermore, the contract line explicitly marked " Customer Signature '' is completely BLANK. My actual credit card terminal swiping slips ( Exhibit XXXX ) are entirely UNSIGNED. XXXX. GROSS SECURITY DATA BREACH & EVIDENCE FABRICATION ( EXHIBIT XXXX ) : The merchant is operating an international chargeback fraud ring. As definitive proof, they uploaded the private government ID a blank, unsigned credit card terminal slip belonging to an entirely unrelated individual named " XXXX XXXX '' ( Exhibit XXXX ) into my private file. Capital One is actively validating documents tied to a severe international data breach and identity theft to penalize a U.S. consumer. XXXX. VIOLATION OF GOLD MANDATES ( NO XXXX CODES ) : Since XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX strictly prohibits the sale of gold jewelry without a unique, XXXX alphanumeric XXXX code stamped on the metal and logged in the government database. The merchant 's slip lists NO XXXX codes, proving the custom bangles were never manufactured, legally hallmarked, or authenticated. XXXX. TAX EVASION UNDER XXXX LAW : Under XXXX Income Tax Rule XXXX, merchants must collect an XXXX XXXX number for jewelry purchases exceeding XXXX XXXX ( ~ {$2400.00} USD ). My total was {$4900.00}. I do not possess an XXXX PAN number, and none was provided. Capital One is honoring an illegal, off-the-books " XXXX '' paper slip used for tax evasion. MY CHRONOLOGICAL TIMELINE DISPROVES DELIVERY ( EXHIBITS XXXX G ) : - XX/XX/XXXX : Arrived in XXXX, XXXX ( Proven by Passport Entry Stamp - Exhibit XXXX ). - XX/XX/XXXX : Placed initial custom order for XXXX Punjabi-script bangles. - XX/XX/XXXX : Formally canceled the order upon discovering the merchant 's tax non-compliance. The merchant refused to void the terminal transactions and failed to process any credit card refunds. - XX/XX/XXXX : Departed XXXX back to the United States ( Proven by Flight Itinerary - Exhibit XXXX, and XXXX XXXX disruption camera logs - Exhibit XXXX ). Because I canceled the order XXXX days before my departure, because the contract lacks my signature, and because the merchant can not produce legally required XXXX tracking codes or a XXXX invoice, physical delivery was an absolute impossibility. I demand an immediate manual override, the complete removal of all associated backdated interest, finance charges, or penalty fees, and a full reversal of these principal funds via corporate check.

Company response to consumer: Closed with monetary relief