Consumer complaint received 2025-10-14 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: MA

Complaint narrative:
Summary of Complaint : Capital Ones Double Billing Error and Request for Immediate Refund Capital One has violated the Fair Credit Billing Act ( FCBA, 15 U.S.C. 1666 ) and the Truth in Lending Act ( TILA ) by double billing me for the same $ XXXX charge that I had already paid in full in XX/XX/year>. Despite providing proof and repeated notice, Capital One has failed to investigate, correct the mistake, or issue a refund. I am requesting that the CFPB compel Capital One to refund the duplicate charge immediately and close this matter. 

My XX/XX/year> statement clearly shows that the balance was fully paid. The statement lists total payments of {$17000.00}, including a {$6100.00} payment to XXXX XXXX XXXX  and a {$1200.00} payment to XXXX XXXX XXXX, leaving a final closing balance of {$820.00}. That confirms my account was current and paid in full as of XXXX. 

However, on my XX/XX/year> statement, Capital One improperly reintroduced the same amount through duplicate purchase adjustment transactions. The XXXX statement shows XXXX negative adjustments of {$3000.00} and XXXX matching positive adjustment of + {$3000.00}, effectively rebilling the same charge I had already paid. The account summary for XXXX shows {$6300.00} in credits and {$7500.00} in new transactions, which directly mirror the prior months activity. This pattern proves that Capital One double billed me for the same payment. 

Capital Ones conduct constitutes : * Failure to investigate and correct a verified billing error under XXXX XXXX. XXXX ( a ). 
* Failure to issue a written explanation or refund within the required time frame. 
* Unfair and deceptive billing practices under 12 U.S.C. 5531 ( Dodd-Frank Act ).

* Retention of unearned funds by rebilling a fully paid balance.

I have already paid this charge once and should not be billed again. The duplicate amount has caused unnecessary financial stress, time loss, and frustration. I am not seeking credit or compensation beyond what I am owed I simply want my money returned and the matter closed.

I request that the CFPB require Capital One to : 1. Immediately refund the duplicate {$6100.00} charge, plus any related interest or fees. 
2. Provide written confirmation that the refund has been processed and the account corrected.

3. Ensure that no negative reporting related to this error remains on my credit file.

4. Close the dispute permanently so I am not billed for this amount again. 

This complaint is supported by documentary evidence : * XX/XX/year> statement showing a normal closing balance of {$1100.00}. 
* XX/XX/year> statement showing all balances paid in full with a closing balance of {$820.00}. 
* XX/XX/year> statement showing improper duplicate purchase adjustments reintroducing over {$6000.00} that was already paid. 

All statements are available as exhibits. The XXXX statement proves the payment was made, and the XXXX statement proves the same charge was rebilled. I am requesting that the CFPB require Capital One to issue the refund immediately so this matter can be resolved once and for all.

Company response to consumer: Closed with explanation