Consumer complaint received 2025-12-30 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: NE

Complaint narrative:
Formal Complaint Against Capital One Merchant : XXXX XXXX XXXX XXXX Amount : {$430.00} Transaction Date : XX/XX/year> Subject : Formal Dispute Reconsideration Case Number # XXXX Executive Summary This complaint is filed against Capital One for failure to provide adequate consumer protection and " Billing Error '' resolution as mandated by the Fair Credit Billing Act ( FCBA ). Despite providing clear evidence of non-disclosure and predatory cancellation practices by a foreign merchant, Capital One closed the dispute in favor of the merchant, effectively failing to protect my assets from a clear lack of transparency in the transaction. 

Statement of Facts Transaction Origin : On XX/XX/year>, I purchased airfare from XXXX XXXX XXXX totaling {$430.00}. 

Lack of Disclosure : Throughout the booking process and within the subsequent confirmation emails, the merchant failed to provide clear and conspicuous disclosure regarding their cancellation and refund policy. 
Timely Cancellation : I initiated a cancellation on XX/XX/XXXX, XXXXnearly a month before the scheduled travel date of XX/XX/XXXX, XXXXallowing the merchant ample time to resell the seat. 
Dispute Initiation : I filed a dispute with Capital One in XX/XX/year>, providing all relevant documentation, including email threads and chat transcripts showing the merchants refusal to comply with fair business practices.

Argument for Reversal 1. Violation of Disclosure Requirements Under the principles of Regulation Z ( Truth in Lending ), a consumer is entitled to a " Billing Error '' resolution if the merchant failed to provide goods or services as agreed. By failing to disclose the " non-refundable '' nature of the ticket at the point of sale, the merchant engaged in deceptive practices.

2. Capital Ones Fiduciary Duty : As a U.S. consumer, I have no legal recourse against a foreign entity with no domestic presence. My relationship is with Capital One. By failing to exercise a chargeback despite the evidence of poor disclosure, Capital One is essentially endorsing the merchant 's retention of funds for services never rendered.

3. Failure to Evaluate Evidence The evidence provided ( chat logs and emails ) clearly demonstrates a lack of transparency. Capital Ones decision to side with the merchant suggests a perfunctory review of the evidence rather than a robust investigation into the merchants compliance with international card-network ( XXXX  ) disclosure rules XXXX 
Requested Resolution I request that Capital One immediately reopen this investigation and credit my account in the amount of {$430.00}. I expect my financial institution to prioritize the protection of its American cardholders over the predatory practices of uncooperative and corrupt foreign merchants. 

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation