Consumer complaint received 2024-08-23 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: FL

Complaint narrative:
On XX/XX/XXXX I was notified first by Capital One that a charge was pending for {$460.00}. I did not know what it was so I logged in to see what it was for. This merchant is an online Dr service for a prescription drug that requires screening. I had made a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I told the company that and cancelled. I did this through their online website and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I spoke with regarding exiting the program. This was XXXXXXXX XXXX XXXXXXXX I called immediately to dispute the charge and block the merchant. 

The merchant then sent me an email with an invoice saying that my credit card will be charge. I emailed them immediately notifying them that they were indeed wrong and I did in fact cancel. 

They denied my cancellation and proceeded to send the package anyway. 
Then tell me we do not issue refunds after the package is sent. This was XX/XX/XXXX. 
I have proof of the timeline of the postage label that was created showing the exact timeline of they conversions by email and with proof from USPS. The label was created XX/XX/XXXX and not dropped off and registered as received by post until late at night XX/XX/XXXX. 

At first the dispute started easily. But shortly after a very brief review it was reversed and the charge was returned to my card. I called to complain explaining and trying to understand how a credit card company can not advocate for me. This company is sending illegal prescription without seeing XXXX XXXX XXXX medical professional. XXXXhis DR , RN, Pharmacy and merchant were breaking the law. This is prescription fraud, medical malpractice, Illegal and predatory. 

I escalated my issue to speak with the manager of the Fraud department. He stated that they are only obligated to follow XXXX XXXX and that unless I had 3 specific things there was nothing they could do. I asked to speak with his supervisor and he said he was the last stop. This sounded very much like a call center in the XXXX. I asked " XXXX '' the supervisor for a copy of the conversation and he stated that is not a practices that they do. 

In essence protecting the criminals. 

From there I continued to submit additional documents in hopes that they would fulfill their requirements. 

They continue to keep the dispute closed. 

I have filed a complaint with the Federal Trade Commission against the company, the prescribing RN and the pharmacy. I notified the FBI regarding this racket and I have also made a complain with the medical board against the RN that wrote a prescription to a person who XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would know does not qualify to take medication if they bothered actually seeing a patient and not lying about it.

Company response to consumer: Closed with explanation