Consumer complaint received 2026-06-10 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: IL

Complaint narrative:
I am filing this complaint about XXXX handling of a credit-card billing dispute involving a medical billing charge from XXXX XXXXXXXX. The original disputed amount was {$100.00}. My attached insurance explanation of benefits shows only {$30.00} as patient responsibility, not {$100.00}. The remaining {$70.00} appears to be unsupported by the EOB and remains the central disputed amount. XXXX initially issued or reflected a temporary credit related to the {$100.00} disputed charge, but the temporary credit was later reversed. After that, I saw pending/account activity for {$70.00} on or about XX/XX/2026. I dispute owing this {$70.00} because the attached EOB shows {$30.00} patient responsibility. I am also disputing the adequacy of XXXX investigation and the documentation supporting the reversal of the temporary credit. Separately, when I contacted XXXX XXXXXXXX billing to dispute the remaining {$70.00}, XXXX XXXXXXXX billing stated that XXXX {$70.00} check had been mailed. I asked whether the check was mailed, the date it was mailed, the address it was mailed to, and whether it had been cashed, deposited, returned, voided, or remained outstanding. XXXX XXXXXXXX billing XXXX that the check was mailed to an address on file, but that claim appears inconsistent because that address had only been updated in the system approximately XXXX days earlier. If XXXX XXXXXXXX billing XXXX a check was mailed to that address before or around the time it was added, I am requesting documentary proof. I also asked XXXX XXXXXXXX billing for proof of mailing, the status of the alleged check, a copy of any endorsement if the check was cashed, and a reference number or written confirmation for the accounting request supposedly being submitted. XXXX XXXXXXXX billing would not provide a reference number, would not provide the exact wording of the accounting request, would not provide written confirmation that the request was submitted, and would not give a clear response date. I was only told that the call was recorded. As of this complaint, I do not have adequate written documentation showing why XXXX reversed the temporary credit, why the {$70.00} amount remains charged or pending, whether XXXX XXXXXXXX billing XXXX issued a {$70.00} refund check, whether that check was mailed to the correct address, or whether that check was cashed by anyone. I dispute receiving or cashing any such check. I am requesting that XXXX perform and document a complete investigation of this billing dispute, including review of the attached XXXX, XXXX account activity, the temporary credit reversal, the XX/XX/XXXX pending/activity record, and any documentation supplied by XXXX XXXX billing. XXXX should not rely on an unsupported merchant claim that a refund check was mailed unless the merchant provides verifiable proof of issuance, mailing, delivery/status, and cashing/deposit history.

Company response to consumer: Closed with non-monetary relief