Consumer complaint received 2026-04-28 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: PA

Complaint narrative:
I am filing this complaint because XXXX denied my fraud/dispute claim for {$1900.00} involving FLOW XXXX XXXX XXXX XXXX FL XXXX despite clear evidence that this merchant has repeatedly charged multiple cards on file without proper authorization and despite XXXX already approving a separate dispute against this exact same merchant. The denied XXXX case number is XXXX. I am requesting that XXXX reopen and reevaluate this case because the denial does not make sense when XXXX already found in my favor on another dispute with the same merchant. XXXX previously approved dispute XXXX for {$1000.00} against XXXX XXXX XXXX XXXX XXXX FL. That successful dispute is strong evidence that the same merchant was engaging in unauthorized or improper billing activity on my XXXX account. The merchant involved is XXXX XXXX XXXX XXXX XXXX FL. I rented an XXXX XXXX from this property one time, for one XXXX. I did not authorize this merchant to continue charging my cards or to treat my card as open-ended permission to bill me for unrelated housing fees, residency charges, or other claimed balances. The merchant is now claiming they were allowed to charge my card for fees related to a housing stay, but that is incorrect. This charge is not a valid housing charge, and I did not stay there in the way the merchant is claiming. This issue has not been isolated to XXXX. XXXX XXXX XXXX XXXX XXXX FL has charged multiple cards and accounts I had on file with them, across multiple financial institutions. I have already disputed and won related disputes involving this same merchant with XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. I also already won a XXXX dispute with this same merchant for {$1000.00}. The broader pattern shows this is not a normal billing disagreement. It is an ongoing improper billing pattern by the merchant. I have attempted to resolve this directly with XXXX XXXX XXXX XXXX XXXX FL for months. I repeatedly asked them to stop charging my cards, remove my cards from their system, and refund the improper charges. Their team delayed, ignored me, failed to provide clear answers, and made me jump through excessive loops without resolving the issue. I have a large volume of emails and communications showing my repeated attempts to resolve this directly and showing the merchants lack of meaningful response. XXXX denial appears to rely on the merchants claim that they were allowed to charge my card. I am asking XXXX to not simply accept the merchants explanation at face value. The merchants claim is contradicted by the facts, by my repeated objections, by the charge pattern across multiple accounts, and by the fact that XXXX already approved a prior dispute against this same merchant. I am requesting that XXXX : Reopen and reevaluate denied case XXXX for {$1900.00}. Review the prior successful XXXX dispute XXXX for {$1000.00} involving the same merchant. Consider the broader pattern of improper charges by XXXX XXXX XXXX XXXX XXXX FL across my XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX accounts. Review my supporting communications with the merchant showing I attempted to resolve this directly and repeatedly told them to stop charging my cards. Provide a written explanation of what specific evidence XXXX relied on to deny the {$1900.00} dispute while approving the separate {$1000.00} dispute with the same merchant. Issue a credit/refund for the disputed {$1900.00} charge. I believe XXXX denial was incomplete and unfair because it treated this as if the merchant had valid authorization, while ignoring the repeated unauthorized billing pattern and the previous successful dispute against this same merchant. I am requesting a full and good-faith reevaluation of this case.

Company response to consumer: Closed with explanation