Consumer complaint received 2025-03-27 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: CA

Complaint narrative:
XX/XX/XXXXXXXX  XXXX XXXX storage, I place a new order ( # XXXX ) XXXX XXXX storage for two storage sheds using card # XXXX. Total transaction was {$1800.00}. This transaction posted at Capital One on XX/XX/XXXX. Please note that I contacted a Capital One representative before making the purchase and was assured that I had purchase protection from fraud or non-delivery. 

XX/XX/XXXX I received a XXXX receipt for Transaction ID XXXX Merchant Transaction ID : XXXX for Payment to XXXX XXXX XXXX XXXX XXXXXXXX. Please note that I did not have a XXXX account at the time of this purchase, and I submitted payment information to XXXX XXXX storage and they used XXXX to process the transaction. 

XX/XX/XXXX I received a Rate and Load Confirmation from XXXX XXXX XXXX that my order would ship XX/XX/XXXX and arrive at my home address on XX/XX/XXXX. 

XX/XX/XXXX I contacted XXXX at XXXX XXXX XXXX to explain that I needed to change my order from two sheds to one shed because my neighbor did not want one of the sheds placed near our shared property line. 

XX/XX/XXXX XXXX at XXXX XXXX XXXX changed my order from two sheds for {$1800.00} to one shed for {$930.00}. XXXX initiated a refund on XX/XX/XXXX for {$930.00} which was posted at Capital One on XX/XX/XXXX. I also received confirmation of the {$930.00} refund from XXXX on XX/XX/XXXX. 

XX/XX/XXXX I received an email from XXXX XXXX XXXX telling me that the delivery was delayed ( this was the last communication with XXXX XXXX XXXX. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I sent emails, called their phone number, and left voicemail messages, and used their webpage contact form, with no response from XXXX XXXX XXXX. 

XX/XX/XXXX I submitted my first dispute at Capital One explaining that I did not receive the one storage shed for {$930.00} and that I was unable to contact XXXX XXXX XXXX. Soon after this, the XXXX website was no longer available. I uploaded multiple documents supporting the timeline above. 

XX/XX/XXXX Capital One says that I need to process the dispute through XXXX. Please refund the remaining {$930.00} since the company went out of business and I did not receive the shed that was ordered. 

XX/XX/XXXX I created a XXXX account to attempt to resolve the issue with XXXX. XXXX said I need to resolve the issue with Capital One. 

XX/XX/XXXX I reported XXXX XXXX XXXX to the Georgia Attorney General 's Consumer Protection Division. 

XX/XX/XXXX I looked up XXXX XXXX XXXX XXXX on XXXX XXXX XXXX to confirm that the company appears to no longer appear in business. 

XX/XX/XXXX Contacted XXXX customer support and they said I needed to resolve the issue with Capital One. 

XX/XX/XXXX Called Capital One and the Supervisor I spoke with said I needed to show that I cancelled the order. I asked how do I cancel an order from a company that no longer exisits and they had no answer. I mentioned that the next step is to file a complaint with the Consumer Financial Protection Bureau and they ended the call.

Company response to consumer: Closed with explanation