Consumer complaint received 2026-03-03 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: OH

Complaint narrative:
Date : XX/XX/XXXX Re : Case Number XXXX Merchant : XXXX XXXX XXXX Invoice # : XXXX Transaction Date : XX/XX/XXXX Disputed Amount : {$1100.00} To Whom It May Concern, I am formally continuing my dispute regarding the above-referenced transaction. I originally scheduled an {$89.00} promotional chimney inspection/sweep through XXXX. During the visit, I was informed additional services were required and was subsequently charged {$1100.00} for 2 caps Deep clean level 2. While some cleaning may have been performed, the two chimney caps listed on the invoice were never delivered or installed. Photographic evidence ( Attachment B ) clearly shows my chimney with its original single cap and no newly installed caps. There is no evidence of additional hardware, replacement materials, or a second cap. Additional supporting concerns : 1. Failure to Deliver Goods I was billed for two chimney caps that were not installed and not delivered. 2. Repeated Attempts to Contact Merchant I attempted to contact the merchant at ( XXXX ) XXXX on multiple dates ( see Attachment E ). Calls were not resolved and meaningful assistance was not provided. Additionally, when asking to speak to a manager to discuss why the service wasnt completed, Im told that a manager is not available, they will call back and proceed to hang up on me when I ask more questions. The company has not made one attempt to call me back to resolve the issue. As of XX/XX/XXXX, the merchant has disconnected their phone number. XXXX. Non-Functional Website The merchants website ( mr-chimney.com ) is currently non-functional and returns a 404 error ( Attachment H ). The site is also flagged as Not Secure. An additional screenshot shows what the site did look like as well as documenting their phone number. 4. Inaccessible Terms & Conditions The invoice references agreement to Jobox Terms & Conditions. The hyperlink provided results in a 404 Page Not Found error ( Attachment C ), meaning no contractual terms were accessible at the time of signing. 5. Questionable Business Address The invoice lists XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Public mapping records show this location to be a retail strip center with no identifiable chimney service operating there ( Attachment D ). 6. Documented Pattern of Similar Complaints XXXX Scam Tracker reports ( Attachments F and G ) describe an identical pattern involving an {$89.00} inspection upsell, incomplete work, difficulty contacting the company, and similar pricing ranges. This dispute is based on failure to deliver goods paid for, misrepresentation of services, and substantial documentation of questionable business practices. Given the photographic proof, website failure, unreachable contact attempts, questionable business address, and corroborating XXXX reports, I respectfully request that the {$1100.00} charge be permanently reversed. The above was provided to capital one along with more documentation that the services were not rendered complete. Capital One is relying heavily on the " no refund '' policy stated on the invoice. But I have an issue with " no refund '' overriding a failure to perform a contracted service

Company response to consumer: Closed with explanation