Consumer complaint received 2026-05-21 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: NV

Complaint narrative:
Capital One Savor Card Complaint Against Capital One Regarding Improper Denial of Dispute I am filing this complaint regarding Capital Ones handling of a disputed charge involving XXXX XXXX in the amount of {$1900.00}. Capital One closed and rebilled the dispute despite extensive documentation showing that I was not the party responsible for the underlying tow situation and that the payment was made under financial duress to prevent additional damages and loss of property. BACKGROUND OF THE SITUATION In approximately XX/XX/XXXX, I allowed another individual to take possession of my vehicle under an agreement that they would transfer title into their own name, register the vehicle, maintain insurance, and assume full responsibility for it. The vehicle remained at their residence for approximately one year. During that time, I did not possess the vehicle, did not have the keys, and did not have control over where the vehicle was parked or stored. On XX/XX/XXXX, the individual in possession of the vehicle admitted via text message that : - the vehicle had been sitting in front of their home for approximately one year, - the title had never been transferred,- they had not completed registration, - and the vehicle was towed from their HOA property. The text messages also show that they acknowledged responsibility for retrieving the vehicle and discussed obtaining funds to recover it. TOW AND STORAGE CHARGES XXXX XXXX towed the vehicle on XX/XX/XXXX, from the residence where the vehicle had been stored by the third party. The tow was requested by an Authorized Agent ( the HOA ), not by me. On XX/XX/XXXX, XXXX XXXX mailed a notice stating : - the vehicle had remained unclaimed since XX/XX/XXXX, - storage charges were accruing daily, - the balance was already approximately {$1300.00}, - and the vehicle would be auctioned on XX/XX/XXXX if arrangements were not made. The storage fees continued to increase daily at approximately {$54.00} {$56.00} per day. The final invoice ultimately reached approximately {$1900.00}. The invoice itself confirms that the tow originated from the third partys residence and that the charges included towing, fuel surcharge, mileage, lien fees, and storage. ACTIONS I TOOK BEFORE PAYMENT Before paying XXXX XXXX, I formally disputed responsibility with the individuals who had possession and control of the vehicle. On XX/XX/XXXX, I sent a formal written demand letter demanding : - return of the vehicle title and keys, - payment of all towing and storage charges, - and reimbursement for damages caused by their failure to transfer title and assume ownership responsibilities. The demand letter specifically explained that : - the vehicle was impounded because the other party failed to transfer title,- they ceased communication, - and damages continued accruing daily because the vehicle legally remained tied to me. I also repeatedly communicated concern that I would incur escalating daily charges if the vehicle was not retrieved immediately. PAYMENT WAS MADE UNDER DURESS I ultimately paid XXXX XXXX because : - the vehicle was scheduled for auction, - daily storage charges were continuing to accrue,- and I was trying to mitigate additional financial damages. This was not a normal voluntary consumer transaction. I did not request the tow. I did not authorize the vehicle to be parked in violation of HOA rules. I was not the person in possession or control of the vehicle at the time it was towed. I paid solely to prevent : - additional daily fees, - destruction of the vehicle through auction, - and further damage to my credit and finances. CAPITAL ONES HANDLING OF THE DISPUTE I disputed the transaction with Capital One and provided documentation including : - text message evidence, - towing notices, - invoices, - demand letters,- and a detailed explanation of the circumstances. Capital One initially issued a temporary credit but later rebilled the full amount after XXXX XXXX responded that the goods/services were received in good condition. This response completely ignored the actual nature of my dispute. My dispute was not about whether a tow occurred. My dispute was that : - I was forced into payment under financial duress, - I was not the person responsible for causing the tow, - the vehicle had been under another partys possession and control for approximately one year,- and the merchants response failed to address the underlying facts and evidence I submitted. Capital One appears to have accepted the merchants generic rebuttal without meaningfully reviewing the extensive supporting documentation I provided. WHY I BELIEVE CAPITAL ONE ACTED IMPROPERLY I believe Capital One failed to conduct a reasonable investigation under the Fair Credit Billing Act because : 1. They ignored evidence showing the vehicle was under another partys control for approximately one year. 2. They ignored evidence showing I attempted to mitigate damages and dispute responsibility before payment. 3. They ignored evidence that the payment was made under threat of auction and escalating storage fees. 4. They accepted a generic merchant response that did not actually address my dispute. 5. They improperly characterized this as a standard voluntary purchase of services rather than a forced mitigation payment tied to third-party misconduct.

Company response to consumer: Closed with explanation