Consumer complaint received 2025-02-13 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: CO

Complaint narrative:
I respectfully submit the following summary regarding my case. Capital One closed the case without a review of my information, well ahead of the stated deadline they provided of XX/XX/XXXX/2025 ( note that my documents were provided in each dispute ahead of the deadlines given ). A comprehensive timeline of events, along with documented communications, photographs, videos, and expert testimony, has been provided to Capital One ( also included as attachments to the CFPB ). In stark contrast, the merchants response consists solely of a two-page text statement containing unsubstantiated assertions and falsehoods, which I have thoroughly refuted with credible evidence. The extensive documentation, as well as the vehicles physical condition, clearly substantiate the claim of fraudulent conduct and dangerous reckless work. I am furnishing all corroborating materials as attachments and kindly request a meticulous review of this evidence. The following is the summary sent and the attachments show detailed timelines, communications and hard evidence. 

To : Capital One Dispute Resolution Team Re : SUMMATION OF DISPUTE Case Number XXXX Case Number XXXX Case Number XXXX I. Overview and Background The cardholder entrusted his XXXX XXXX XXXX to Merchant # XXXX for restoration work to convert the vehicle into a safe, reliable daily driver. 

The agreed scope of work was limited to : Installing a provided new OEM control harness ( a plugandplay component ) to restore proper dashboard and wiring functionality ; Reattaching the dash and simple instrument cluster with a new, provided gauge assembly ; Installing two new seats with proper brackets. 
The vehicle was delivered in a bare frame conditionwith the engine harness intact, all parts inventoried and providedto facilitate an accurate inspection and a fair estimate. Despite the clients good faith payment of a {$2500.00} deposit and clear written instructions affixed to the windshield, XXXX  estimate of 40 labor hours was far above industry norms, and the work was promised to be completed within 30 days. 

XXXX. Failure to Perform and Excessive Delays Instead of adhering to the agreed schedule, XXXX  held the vehicle for well over 60 days without delivering the promised repairs. Unilaterally, he demanded an additional 30 labor hours after the deadline had passedan unjustified request accompanied by threats of a XXXX  lien. These hours were attributed to the XXXX  troubleshooting his own work. This delay and subsequent demand constitute a material breach of contract and demonstrate a flagrant disregard for the clients property and time. 

XXXX. Incompetent and Hazardous Repairs XXXX  work not only failed to complete the basic repairs but also introduced numerous safety hazards and functional defects : Electrical and Wiring Abuses : The control harness, which was simple plugandplay in nature and installed by XXXX, was flipped and rewired at an exorbitant charge of {$12000.00}. Instead of a straightforward 68 hour plug-n-play installation, XXXX billed hours for troubleshooting his own substandard installation. 

The vehicle now suffers from a cascade of wiring issues : multiple loose and unlabelled wires, use of nonindustry electrical tape in the engine bay, improper grounding ( with a positive wire attached to a frame ground ), and miswired ignition coil powering. 

The damage has rendered the electronic control module ( ECM ) inoperable and compromised the dashboard instrumentationonly the speedometer ( which operates mechanically ) remains functional. 

Safety-Critical Failures : The fuel pump now runs in the XXXX positiona XXXX modification that creates risks of fuel leaks, fire, and potential carbon monoxide buildup. 

Critical vehicle functions, such as brake lights, running lights, defrost/heater, windshield wipers, horn, and windshield washer pump, are nonfunctional. 

The brake system was modified dangerously ; the brake proportion valve was bypassed and the parking brake rendered useless, directly endangering the driver and the public. 

The improper reinstallation of the dashboard and instrument cluster, along with damage to the steering column and multi-function switch assembly, leave the vehicle visually disorganized and unsafe for operation. 

Seat and Interior Damage : Despite providing brandnew Cipher suspension seats with the correct specifications, XXXX incorrect installation rendered one seat entirely nonfunctional. The misalignment not only compromises comfort and functionality but also threatens to damage expensive, highquality interiors. 
Collectively, these defects have left the clients vehicle immobilized and unsafe to operate, requiring further professional repairs at significant additional cost. 

IV. Excessive Billing and Fraudulent Claims XXXX billed a total of {$14000.00}, an amount that mirrors the cost of a fully restored vintage XXXX. Of that, {$12000.00} was allocated to labor for troubleshooting repairs that XXXX himself had caused. His claims that the client approved all work are categorically refuted by the evidence, which documents : A clear deviation from the written scope of work, Unwarranted and inflated labor charges that far exceed standard industry times/rates, False statements made to Capital One regarding the vehicles condition and the clients purported satisfaction with the work. 
Despite repeated offers by the client to resolve the matter amicably or allow for an independent inspection, XXXX declined any such engagement. 

V. Violations of Colorado Law XXXX actions appear to violate two key Colorado statutes : Colorado Consumer Protection Act ( C.R.S. 61105 ) : This statute prohibits deceptive trade practices. XXXX misrepresentations about the work performed, his excessive billing, and his refusal to meet the agreed specifications clearly fall within the ambit of deceptive practices. 

Colorado Reckless Endangerment ( C.R.S. 183208 ) : The negligent wiring, the fuel pump running in an unauthorized mode, and the bypassing of critical safety components ( such as the brake proportion valve ) created hazardous conditions that endanger not only the clients safety but also that of the public. 

VI. Conclusion and Relief Sought The cumulative effect of XXXX nonperformance, unjustifiably prolonged vehicle retention, hazardous modifications, and fraudulent billing has rendered the vehicle completely inoperable and unsafe. Given these serious breachesincluding clear violations of Colorados consumer protection and safety statutesthe client respectfully demands a full reversal and reimbursement of {$14000.00}. Furthermore, equitable relief is sought to restore the vehicle and compensate for additional costs incurred in mitigating the damages caused by XXXX  actions in XXXX XXXX XXXX XXXX XXXX Court. 
This summary is supported by extensive documentation, including a detailed timeline of communications, photographic and video evidence, expert statements on industry standards, and the original written agreement. 
The clients claim is not merely a matter of contractual breach but one of public safety and consumer rights, requiring prompt and decisive legal remediation. 

I sincerely appreciate your prompt attention to this matter and look forward to your resolution. 

Please contact me for any additional documentation or information. 
Regards,

Company response to consumer: Closed with explanation