Consumer complaint received 2026-05-27 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: CA

Complaint narrative:
Subject : Failure to Properly Investigate Unauthorized Recurring Charges Capital One Summary of Issue This matter involves unauthorized recurring charges from XXXX XXXX SUBSCRIPTION that began in XX/XX/XXXX and continued through XX/XX/XXXX. These charges were not knowingly authorized and resulted from a deceptive enrollment tied to a one-time retail purchase made on XX/XX/XXXX in the amount of {$58.00}. Key Facts No informed consent was given to enroll in any subscription program No receipts, invoices, renewal notices, or billing disclosures were ever provided Charges were labeled as merchandise, not as a subscription Billing dates varied and were not consistent with a typical recurring charge Monthly charges ranged from {$49.00} to {$69.00} and increased without notice or authorization No goods, services, or membership benefits were received after the initial XXXX purchase The merchant initially denied that any subscription existed when contacted A review of records confirms no additional purchasesonly recurring charges Capital Ones Failure I reported these charges upon discovery in XX/XX/XXXX. Instead of conducting a reasonable investigation, Capital One : Required me to submit the same documentation repeatedly ( dozens of times ) Opened separate disputes for each individual charge rather than addressing the pattern Denied claims solely based on the 60-day billing dispute window This response is inadequate and inappropriate for the nature of this issue. Capital One sent me over 135 dispute letters and first gave me a credit for the charges then went back a recharged numberous time - there was even one charge that was a mistake that they owned up to leaving me more confused. This should all have been resolved as one issue. It is clear that they did not even try to resolve this with the vendor. Legal and Procedural Concern This is not a standard billing dispute. It is a case of unauthorized recurring charges resulting from deceptive enrollment. The 60-day limitation under the Fair Credit Billing Act should not apply where : The consumer did not knowingly authorize recurring charges The charges were misrepresented and concealed ( labeled as " merchandise '' on statement ) No disclosures or billing notices were provided The consumer could not reasonably identify the issue earlier Capital One has an obligation to conduct a reasonable investigation into unauthorized transactions, regardless of when they are discovered. Requested Resolution I am requesting that Capital One : Conduct a single, comprehensive investigation into this matter as a pattern of unauthorized recurring charges Reverse all charges associated with XXXX XXXX SUBSCRIPTION from XX/XX/XXXX through XX/XX/XXXX Refund all associated interest and fees Confirm that no negative credit reporting will result from this dispute Additional Context There are widespread consumer complaints and prior regulatory action related to deceptive subscription practices associated with this merchant. My experience is consistent with those patterns. Conclusion I acted promptly upon discovering these unauthorized charges, I called Capital One and Capital One blocked the charges and also issued a new card number. They put me through a long convoluted process only to deny the charges. Capital One has failed to properly investigate and instead relied on a procedural technicality that does not apply to the facts of this case. As far as XXXX XXXX, they are a disreputable company for engaging in these deceptive practices and we didn't get anywhere with them. Capital One Cards Ending with : XXXX XXXX - Main Card Holder - Me XXXX - New Card Number for both XXXX and XXXX now I request a full review and resolution of this matter.

Company response to consumer: Closed with explanation