Consumer complaint received 2025-12-26 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: MO

Complaint narrative:
I was contacted by whom I believed to be the company that handled XXXX 's factory warranties. I believed it because of the info they had in the mailer ( plus no other company name in the mailer to alert me to think any different ) and because as I was questioning XXXX XXXX about the different XXXX dealer mechanics, he responded " nothing changes, we're just extending your factory warranty til XXXX '' so I made XXXX auto payments through Capital One, the last payment being in XXXX of XXXX. I never heard anymore from them, all the more reason I was convinced it was the manufacturers warranty office. UNTIL XX/XX/XXXX when XXXX the mechanic called me at home with news that I wasn't covered, I told him yes I was and gave him the phone number of who sold me the extension, it was the only thing I had tied to what I had paid for. He called me back with another number I needed to contact ( headstart warranty ), in which they weren't making sense. I then called the original number and asked for XXXX XXXX, I was informed XXXX didn't work there any longer and transferred to a different XXXX @ XXXX on that same date XXXX. For XXXX minutes we argued about the warranty coverage, nothing settled, but did get the company 's name ( XXXX XXXX XXXX ) I called XXXX with XXXX and verified what I feared, there was no connection with XXXX and XXXX. I was lied to and scammed. I did some footwork and called the number back on XXXX @ XXXX XXXX  asking for the XXXX and was transferred to XXXX XXXX whom I found out later was just the senior sales rep. After trying to explain that I never agreed to what they were claiming and in the end said he would cancel the policy but I wasn't getting the refund I requested. I then called back and asked for a copy of the recorded phone sales, the policy and any contracts they had with me. I was told the recorded phone call didn't exist anymore and emailed me the unsigned contract and sent the policy booklet with the emergency or roadside cards in the XXXX mail ( most companies would send when first sold the insurance or warranty, not after it was cancelled ) I disputed the charges with Capital One on XXXX. I felt the irritation of disputing XXXX charges from the very beginning, I was told the computers were down and he said for me to call back in 2 hours. It took 2 days to get it all and disputed. XXXX they closed the case and recharged me claiming I didn't give them the info they asked for. I asked to reopen to send info and evidence. She said sure and gave me a link to upload everything, said it was good for 14 days. XXXX they closed the case again saying it was out of the time framed to file disputes. I called and spoke with XXXX in disputes and she kept telling me I needed to dispute with the pay link, I'm still not understanding and asked to speak with management and was transferred to XXXX who first told me the time frame was 60 days from the date charge appeared on statement and in the end saying 540 days for warranties, I tried explaining I contacted Capital One to dispute just 9 days after finding out I had been scammed, he said it was still over the XXXX limit of charged date. I don't know how to explain I didn't know I had a dispute until I needed the service XXXX, plus they straight up scammed me into thinking they were part of XXXX and I never signed and never ever would have signed a contract to pay nearly {$3000.00} for coverage that wouldn't even pay for XXXX parts EVEN if I did know they weren't XXXX. He just kept telling me to take it up with XXXX XXXX because his hands were tied because of timeframe.

Company response to consumer: Closed with explanation