Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have repeatedly stated the item was mis-described in the product description. The third-party letter requested by the disputes team was issued to you via upload link provided AND twice via email. It advises that the advertised one-year manufacturer warranty is void due to changes made by the seller, i.e., goods not as described ( having no warranty ). I have also, several times, advised that that maximum specification of the laptop involved in this dispute is XXXX, not XXXX as advertised. The seller is also advertising the laptop supports up to XXXX when it does not, per the manufacturer. The upgrades made by the seller has caused a defect in the device which has made the item unfit for the purpose I intended. Again, I've never said this wasn't a valid purchase, but that the description ( which Ive provided a FULL copy of ) is misleading. So, once again, Capital One have neglected to answer my complaint correctly and have instead provided incorrect and irrelevant information. They also keep advising to contact the merchant, despite providing copies of all communications, and advising that the merchant will no longer respond. Furthermore, stating that I can contact whoever is dealing with these complaints ( badly ) is laughable considering calls are never answered and call backs are not made, even if requested via voice message. On XXXX XXXX I called the disputes department and requested my claim be reopened again and for ALL documentation to be issued ( everything, not just the merchants poor attempt ). This has not been completed. Which leads me on to the merchant documentation. I sent a long rebuttal of the provided documentation to advise it was irrelevant to the points in my complaint. This has not been addressed. Lastly, the household is STILL receiving numerous marketing materials which I have requested several times to cease. So this has also not been addressed. I have requested my claim be reopened AGAIN on XXXX XX/XX/year>. I do not believe the agent I spoke to understood or actioned this request. - They deny valid dispute claims with invalid reasons ( not receiving evidence is an example, even though proof sent )- They do not provide documentation when requested- They do not have a complaints procedure - They do not respond to complaints - Their call centre does not deal with complaints - They will not close your account- They will not stop sending marketing junk to your address - They do not respond to requested callbacks, despite providing a phone number for any queries ( not their call centre ) - Their website 'processes ' are conflicting as to what they will actually do - CFPB will not assist - CFPB close your complaint despite the company response being rejected and irrelevant to the actual complaint - CFPB do not provide an email address for contact for individuals that may not be able to use the telephone, but their online complaint has been closed by the CFPB . So in short, this whole facility is a pointless exercise and corporate greed wins again

Company response to consumer: Closed with explanation