Consumer complaint received 2026-05-12 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 against Capital One for their gross negligence and refusal to investigate a documented fraud case involving a merchant called XXXX XXXX XXXX XXXX. The bank has summarily rejected our dispute, citing a " 120-day rule, '' while completely ignoring that this is a case of criminal fraud, verbal harassment, and professional malpractice. The case number was XXXX. * * 1. Lack of Contract and Ongoing Service : * * Despite multiple requests, XXXX XXXX of XXXX XXXX XXXX XXXX never provided a written contract or invoice. My wife and I requested these documents many times ; the merchant promised to send them but never did. Because there is no contract, there is no defined " end date '' for the service. Therefore, the banks 120-day window is legally inapplicable as the service was intended to be ongoing until my wife received her XXXX license. * * 2. Malpractice and Financial Loss : * * XXXX claimed 20 years of experience but provided incompetent services. My wife lost * * {$400.00} * * on unnecessary notary translations in XXXX because of XXXX incorrect instructions. Furthermore, on XX/XX/XXXX, XXXX falsely claimed that the XXXX XXXX XXXX filled out Form XXXX incorrectly and pressured my wife to hire a lawyer to sue the Board. Upon calling XXXX ( XXXX XXXX XXXX XXXX XXXX ) ourselves, we discovered the form was perfectly acceptable. XXXX intentionally t ried to cause us further financial harm through unnecessary legal fees. * * 3. Harassment and Extortion : * * When we confronted XXXX about her failures and requested a refund, she became verbally abusive, using phrases like * * '' shut up, '' " get lost, '' * * and * * '' Im done with you. " * * She attempted to extort us by threatening to " stop '' the XXXX registration process and threatening to report my wife to * * XXXX ( XXXX ) * *. We are a legally married couple, and my wife is currently in the process of applying for her XXXX XXXX. Using immigration status as a tool for intimidation is a serious offense. * * 4. Verification from XXXX : * * XXXX officials confirmed to us that XXXX has no power to stop my wifes registration and were so concerned by her threats that they advised us to change all account passwords immediately to protect our identity. They described her behavior as shocking and suggested we report her to the Department of Labor and NY State authorities. * * 5. Bank Negligence : * * The bank has been too lazy to perform a manual review of our * * FTC Fraud Report * * and the overwhelming evidence of this " ghost merchant '' who has no physical address and operates only via a phone number. By hiding behind automated timelines, the bank is effectively protecting a predator and supporting criminal activity. * * Conclusion : * * We are a young, legally married couple. Instead of building our lives together, we spend every day fighting to recover {$1500.00} defrauded by a merchant who provided nothing but stress and lies. If not for XXXX incompetence, my wifes professional registration would have been finished months ago. I demand that the bank fulfills its duty under the * * Fair Credit Billing Act * * to investigate this scam and provide a full refund.

Company response to consumer: Closed with explanation