Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
XXXXPre-Litigation Settlement Demand LetterXXXX XXXXTo:XXXXCapital One Bank (USA), N.A.XXXXAttn: Executive Customer RelationsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFromXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSettlement Demand for Fraudulent Double-Dipping: Unlawful Retention of Chargeback Funds + Wrongful Rebilling XXXX(Account No.XXXX XXXX Refs.: XXXX, XXXXXXXX XXXX The Banks Double-Dipping Scheme: Fraudulent Misappropriation of FundsXXXX XXXXThis dispute stems from a deliberate, unethical, and illegal practice by Capital One: collecting funds twice for the same transactionsonce from the merchants via chargeback, and again from me via wrongful rebilling. This is not mere negligence; it is fraudulent misappropriation (i.e., theft by deception) of money that rightfully belongs to either me or the merchants, but never to Capital OneXXXX XXXX Factual Proof of Double-DippingXXXX XXXXXXXX XXXX XXXX XXXX: Broken US Free Return PromiseXXXX XXXXBoth XXXX merchants explicitly advertised 90-day free returns with US return labels on their product pages XXXX When I requested returns (due to misrepresented goods), the merchants refused to provide US return labels and instead sent a XXXX  addressforcing me to pay prohibitive international shipping costs XXXX This breach of their own policy entitled me to a full refund under XXXX terms and federal consumer law.\XXXX XXXX Capital Ones Double-Dipping StepsXXXX XXXX Step 1: You Took Money from the MerchantsXXXX After I disputed the charges, Capital One confirmed the merchants liability by issuing PURCHASE ADJUSTMENTS (temporary credits) to my account: XXXX for the shoes, XXXX for the camera.XXXX  These credits are irrefutable proof: Capital One had already recovered the full amounts from the merchants via chargeback.XXXX  Step 2: You Tried to Take Money from Me TooXXXX  Without explanation, you reversed the credits and rebilled me for the same XXXXeven though youd already been paid by the merchants.XXXX This means Capital One now holds two payments for the same transactions: one from the merchants, one illegally extracted from me. This is not a billing errorit is intentional theft of funds.XXXX XXXX  This Is Fraud, Not a Mistake\XXXX XXXXYour conduct violates:XXXX XXXX Fair Credit Billing Act (FCBA  1693g): Banks cannot collect payment from consumers for disputed charges once theyve recovered funds from merchants. This is a willful violationyou knew the chargebacks succeeded (your own credits prove it) but rebilled anyway.XXXX Texas Theft Liability Act (TTLA  134.005): Knowingly retaining property (here, the XXXX you took from both me and the merchants) that you are not entitled to constitutes conversion (civil theft)XXXX XXXX XXXX Your failure to disclose this double-dipping practice, and your false representation that the chargebacks failed, is a deceptive trade practice.XXXX XXXX  Damages: Accountability for TheftXXXX XXXX1. Restitution of Stolen FundsXXXX You must return the XXXX you wrongfully took from me (the rebilled amount), as you already collected this from the merchants.XXXX2. Compensation for Harm CausedXXXX Financial harm: I incurred time and effort (over 10 hours) resolving this, plus the stress of potential credit damageXXXX- Emotional distress: XXXX  from being defrauded by a financial institution, and frustration from your refusal to correct the theftXXXX  Statutory Penalties for Willful FraudXXXX  Under FCBA  1693m(a), willful violations entitle consumers to up to XXXX in statutory damages. Given this was intentional theft, I claim the full XXXX XXXXTotal Settlement Demand: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Why This Is Non-NegotiableXXXX XXXX Your records prove guilt: Your own system shows the temporary credits (admitting merchant payment) and subsequent rebilling (proving you tried to take mine).XXXX  Fraud is not a mistake: This is not an errorit is a scheme to keep double payments. Regulators and courts treat intentional financial fraud severely.XXXX XXXX Settlement TermsXXXX XXXXBy XXXX XXXX XXXX XXXX1. Permanently reverse the XXXX rebillingsXXXX. Pay XXXX via certified check/wire.XXXXXXXX Provide a written statement confirmingXXXX The merchants paid via chargeback.XXXX  The rebillings were unlawful and will never reappear.XXXX XXXX Consequences of RefusalXXXX XXXXIf ignored, I will:XXXX XXXX File a police report for theft by deception (Texas Penal Code  31.03youve unlawfully appropriated XXXX)XXXX2. Sue in Texas small claims court, seeking treble damages under TTLA (triple the stolen amount, plus statutory penalties)XXXX3. Publish your double-dipping scheme on consumer platforms (XXXX XXXX XXXX) with redacted evidenceso others avoid your fraudXXXX XXXX ClosingXXXX XXXXYou have the records to confirm you took money from both sides. This is not a disputeit is theft. Resolve this now, or face the consequences of being exposed as a bank that defrauds its customersXXXX XXXXSincerely,XXXX XXXX XXXX XXXXConsumer Financial Protection BureauXXXXTexas Attorney Generals Office (Consumer Protection)XXXXLocal Police Department (Economic Crimes Unit)'

Company response to consumer: Closed with explanation