Consumer complaint received 2025-11-24 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:
A transaction was made on my credit card on XX/XX/XXXX by XXXX XXXX. A dispute was requested to Capital one. There were no communications made by XXXX about charging this credit card and the only time this writer had services from this company was in XX/XX/XXXX. The charge on the credit card was {$1800.00}. This writer disputed this transaction on XX/XX/XXXX. A letter and associated documents were sent to Capital one where they sent a letter stating " it lacks all of the previously requested information needed to validate your dispute. '' A capital one agent stated to send further information about the transaction. Thus, this writer sent further information. On XX/XX/XXXX a dispute letter from Capital one states that the additional information that was sent " lacks all of the previously requested information needed to validate your dispute. '' The information that was sent to Capital one were the timeline of events that occurred after the rental services in XX/XX/XXXX. This writer had a rental service from XXXX XXXX that had incurred damages. Therefore there were email communications that were made between the two parties ( the writer and XXXX ). However, those damages were paid out with a different payment method. Thus this current charge is invalid as this service was not rendered by the company. 

Below is the additional information that was sent to Capital one to have them understand the connection of this writer and XXXX : XXXX XX/XX/XXXX, XXXX emailed an online invoice to be paid out totaling at XXXX. This writer filed a capital one benefits claim regarding rental insurance which was paid out for that amount. On XX/XX/XXXX, XXXX XXXX ( XXXX ) sent another invoice regarding additional damages that were incurred, this amount was XXXX. Further communication by this writer is shown in the email thread attached. This writer provided their capital one XXXX XXXX card number on that email thread, however, the last response from XXXX XXXX was that the card was declined for the previous transaction and the company needed to charge the rest of the invoice. No further communications were emailed. This writer emailed the additional invoices to Capital one benefits for another collision claim in which they approved the payment on XX/XX/XXXX ( please see attached documents ). 
On XX/XX/XXXX, A couple weeks after receiving the invoice from XXXX, this writer received an invoice through the mail from a collections agency called XXXX XXXX XXXX XXXX asking for payment ( please see the attached document ). On XX/XX/XXXX, an email was sent to the collection agency to ensure that the invoice that was sent through the mail was from XXXX XXXX. An email response from XXXX attached the invoice from XXXX XXXX XXXX, which is the same document sent by XXXX XXXX on XX/XX/XXXX and the remaining balance that needed to be paid. 
This writer paid the stated amount to the collection agency on XX/XX/XXXX using a different payment method. These email threads show the timeline and reference of the disputed transaction. A transaction on this writers account should not have been arbitrarily billed on XX/XX/XXXX by XXXX because that service was paid through the collection agency. XXXX XXXX only sent one invoice on XX/XX/XXXX which they sent to a collection agency in the United States. Thus, the capital one transaction on XX/XX/XXXX should have been voided since this writer has paid through the collections agency. This writer has no reason to communicate to XXXX XXXX after paying the collection amount as the payment has been paid. XXXX XXXX billed this writer on a credit card that was not agreed upon at the time of transaction. 

Capital one is siding with XXXX company without an explanation and only stating that the writer did not provide additional information. Capital one does not even need to have the full explanation stated above because the transaction that was billed was not rendered as service by this writer, therefore, the disputed transaction was requested.

Company response to consumer: Closed with explanation