Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to formally continue my dispute regarding the above-referenced chargeback that was previously denied. I am providing additional information and clarification to support my claim for a full refund of the disputed transaction. 

SUMMARY OF DISPUTE On XX/XX/year>2025, I purchased trading software and related services from XXXX XXXX XXXX with the expectation of receiving the complete product and service as advertised. However, I did not receive the trading software promised, either in whole or in part, nor did I receive any of the associated services that were part of the purchase agreement. This constitutes a clear case of non-delivery of goods and services, making me entitled to a full refund under both merchant policies and credit card dispute regulations. 

DETAILED FACTS SUPPORTING MY DISPUTE 1. Complete Non-Delivery of Product and Services o I did not receive the trading software that was purchased, either partially or completely o No services related to the trading software were provided to me o The merchant failed to deliver any component of what was promised and paid for 2. Merchant 's Own Cancellation Policy and Representations o During my interaction with the company 's representative, XXXX XXXX, I was explicitly told that if I were unhappy with the service at any time, I could initiate a chargeback with my credit card company o XXXX XXXX specifically stated that the company would not dispute any chargeback because they were confident in their product and did not want to damage their reputation with XXXX o This representation was made as part of their sales process and constitutes a binding commitment regarding their dispute policy 3. Merchant Misrepresentation o The company misrepresented their product and services during the sales process o They failed to deliver on their promises and commitments made at the time of purchase o The actual experience was materially different from what was advertised and sold LEGAL AND POLICY BASIS FOR REFUND Under the Fair Credit Billing Act and Regulation Z, I am entitled to dispute charges for : Non-delivery of goods or services Misrepresentation of products or services Breach of contract by the merchant Additionally, the merchant 's own stated policy, as communicated by their representative XXXX XXXX, supports my right to a chargeback without merchant dispute in cases of customer dissatisfaction. 

PREVIOUS DISPUTE OUTCOME I understand that this dispute may have been initially denied, however, I believe this was due to incomplete information being available at the time. The facts outlined above clearly demonstrate that : I received no value for my payment The merchant failed to deliver on their contractual obligations The merchant 's own representative authorized chargeback resolution REQUEST FOR RESOLUTION Based on the evidence provided, I respectfully request that Capital One : 1. Reverse the previous dispute denial 2. Issue a permanent credit to my account for the full transaction amount of {$16000.00} 3. Remove any associated fees or interest charges related to this disputed transaction 4. Provide written confirmation of the resolution I have been a loyal Capital One customer and have always maintained my account in good standing. I trust that Capital One will review this additional information and provide a fair resolution based on the clear evidence of non-delivery and merchant misrepresentation.

SUPPORTING DOCUMENTATION I am prepared to provide any additional documentation you may require, including : Records of communications with the merchant Evidence of non-delivery Screenshots or records of promised services not received

Company response to consumer: Closed with explanation