Consumer complaint received 2025-06-29 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: NJ

Complaint narrative:
Dispute Summary for Unauthorized Charges by XXXX XXXX / XXXX XXXX I am disputing unauthorized charges made by XXXX XXXX of XXXX XXXX. These charges were made after I rescinded an unsigned contract, and no services were ever rendered. 

As background, I was in the early stages of starting a food truck business and connected with XXXX XXXX, who operates a commissary kitchen. He represented himself as a knowledgeable and supportive partner, offering consulting services at $ XXXX and claiming he would guide me through the startup process. Trusting his experience and guidance, I toured his facility and was told that signing the contract would lock in my pricing and that I would not be charged a dime until my first day of kitchen use. I was also informed of an {$800.00} XXXX XXXX health inspection feesomething I later confirmed is free through the state. 

I signed my end of the contract on XX/XX/year> based on this information. On XXXX, I emailed XXXX XXXX XXXX business-related questions and clearly stated I was willing to pay if they required consulting hours. He ignored all questions and instead demanded an immediate {$800.00} XXXX payment for the health inspection. He stated, Im not answering any of your questions until the {$800.00} payment is made, a complete reversal of his original promise of support. 

At that point, it became clear that he had no intention of providing the assistance he originally offered. Feeling misled and uncomfortable, I formally rescinded the contract via emailwell within the XXXX federal window for contract cancellation and prior to XXXX XXXX ever signing or delivering a fully executed copy. 

Despite this, XXXX XXXX replied, Thats not how this works, and falsely claimed I now owed XXXX XXXX of rent ( {$3200.00} ) for a XXXX leasedespite no services rendered and no mutual agreement in place. He later sent a backdated, signed contract after my rescission. The next day, he charged my card {$1000.00} without my consent and when i disputed he went ahead and charged my card again for the same amount totalling ( {$2100.00} ) No services were provided. I never used the kitchen. XXXX XXXX failed to fulfill his verbal commitments, misrepresented terms, and retaliated by processing unauthorized charges on my personal credit card. I filed a dispute, and in retaliation, he charged my card again, prompting me to cancel and replace my card entirely. 

This is a clear case of bad faith business practices and unauthorized use of my financial information. As a first-time small business owner, I was taken advantage of by someone who presented himself as a mentor, then used that trust to exploit me financially. 

I respectfully request the permanent reversal of these charges. 


I disputed both claims with capital one and even sent the required documentation as well as a signed letter from myself which ive attached highlighting Federal Law is being violated under FTC Cool Off Law as I rescinded well within my XXXX day, right and capital one is telling me because I don't have " proof of cancellation by merchant accepted outside of the merchants policy '' they are denying my claim, even though there is no actual contract in place with the merchant as he never signed the agreement or sent me a returned copy before I rescinded. I've called capital one numerous times to ask if there was any other documentation needed throughout the process they told me nothing was needed and when I called to speak to a supervisor about the dispute, they gave me some canned response refusing to provide any further assistance. How is this in good faith supposed to make want to continue to be a customer when apparently anybody can charge my card for any reason and capitalone will side with them no matter what documentation I provide. After a quick XXXX search it seems that one XXXX doesn't care about their customer and will mostly always side with Merchants even with clear documentation provided.

Company response to consumer: Closed with explanation