Consumer complaint received 2022-03-08 00:00:00
Product: Credit card or prepaid 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:
Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I rented a car from XXXX  and without proper cause XXXX  MADE CHARGES TO MY ACCOUNT WRONGFULLY AND CAPITAL ONE PAID FOR THESE ERRONEOUS CHARGES. When disputing the charges via email Capital one asked for the same documentation repeatedly. I would call to try and clarify, but it seemed as though there was some sort of miscommunication. Until finally on XX/XX/XXXX they decided it was too late to continue with the dispute. I have further documentation to back my dispute, but Capital One does not want to handle the situation any longer. I've brought out a lot of errors done by XXXX, and Capital one just does not want to try and reverse the charges. I was wrongfully charged and Capital One is treating me as though I'm the villain in this situation. Please can you help me to get my money back. It's XXXX plus other erroneous charges added to come to a grand total of {$1800.00} This memo is about our conversation today at XXXX, regarding page 4, of XXXX  response to my rebuttal. I tried to drop off the rental car to the original agreed upon rental site ( XXXX XXXX on XXXX and XXXX XXXX XXXX at XXXX but the site was closed. According to the extended arrangements made over the phone on XX/XX/XXXX agency should have been open ( see pg. 7 of my dispute ). Drop off site was a new agreed location as per the XXXX representatives ( at XXXX ) suggestion when told the original drop off site was closed. The return location was in XXXX and the representative at XXXX told me to take the car to The XXXX airport which about 15 miles from the XXXX XXXX agencies site. I Was informed by the representative ( XXXX ) on XX/XX/XXXX to return the car to the XXXX site by XXXX XX/XX/XXXX. I was there at XXXX pm called XXXX ( XXXX ) and made them aware of the rental agencies closure and the inability to drop off the car. I was told to take the car to the airport, because I did not want to be responsible for any damages which may have occurred if I left the car at the site overnight. Therefore, the drop off agreement was changed due to an error made in the last conversation ( extension ) made with the XXXX Agent ( XXXX ) over the phone on XX/XX/XXXX. ( pg.7 ). If the new rental agreement extension was made for me to bring the car to its original site by XX/XX/XXXX at XXXX, and no one was there, then it was not I who broke the contract, it was XXXX for not being open so I could drop off the car at the original agreed upon site. Why did Capital One give this money to XXXX? I have a secured credit card and {$700.00} is my limit, why did Capital One decide to pay {$1800.00} without my authorization? Now Capital One is having me to dispute and try to get monies back that they should never have paid in the first place. XXXX charged my account the following day XX/XX/XXXX and Capital One accepted the changes without authorization from me. Ive tried to explain my position by calling and in several letters to Capital One to prove my position, each time Capital One required more information, and finally refused to overturn the erroneous charges of more than {$460.00}. Please Help me to get the over charges of Possibly more than {$460.00}. Thank you so much for your time and patience. 
Ive included copies of the phone calls made to XXXX XXXX on XXXX, and most importantly the conversation with the representative on XX/XX/XXXX with the XXXX agent who stated he did not see in the files where I had called in and spoke with a XXXX Representative on XX/XX/XXXX. 



The itemized Charges ( page 7 ) Of Budgets Dispute Response is erroneous due to these errors : 1 ). The agreed upon check- in date should have been XXXX XXXX a weekly rate of {$290.00}. ( Please check the charges and you will see a charge for {$290.00} x 4 weeks, and origination of the agreement was XXXX and ended in XXXX XXXX. Which totaled XXXX. 
2 ). Vehicle registration fee {$41.00}. What is this charge for?

3 ). Rental Extension fee? What extension?

3 ). Late return Fee? I was not late returning the car, car was returned 04/04/2022!

4 ). Misc. Charges????? What do these charges represent? 
Cordially, XXXX XXXX

Company response to consumer: Closed with explanation