Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Product/Service : Credit card Issue : Problem with a purchase shown on your statement / Merchant dispute Company : XXXX XXXX XXXX Complaint Description : I am filing a formal complaint against XXXX regarding case numbers XXXX, XXXX, and XXXX. XXXX has closed my billing disputes, claiming the transactions are valid because the merchant ( XXXX ) alleged " no contact '' until XXXX. This determination violates Fair Credit Billing Act ( FCBA ) guidelines, as I have conclusive, time-stamped email evidence proving I canceled the subscription immediately. Timeline of events : XX/XX/XXXX : Placed order # XXXX. Notified merchant immediately that I did not authorize continuous delivery or subscriptions. XX/XX/XXXX : Merchant replied acknowledging my cancellation intent ( " completely understand your decision '' ). I replied at XXXX XXXX demanding card removal. XX/XX/XXXX : Merchant illegally charged my card for order # XXXX. I emailed again at XXXX XXXX demanding a total stop. XXXX ignored this paper trail showing immediate, clear cancellation. They validated fraudulent, unauthorized charges on my card ending in XXXX. They refuse to reverse the decision or provide the documentation the merchant used to win the dispute. I request that the CFPB compel XXXX to reopen these cases, review my attached cancellation proof, refund my account, and provide the merchant 's evidence. 2. Federal Trade Commission ( FTC ) Report Draft Submit online at : reportfraud.ftc.gov Business Name : XXXX Website/Email : XXXX XXXX XXXXXXXX Amount Lost : {$84.00} ( plus subsequent unauthorized charges ) Payment Method : XXXX Card ending in XXXX What Happened : This merchant is engaging in deceptive subscription practices, unauthorized billing, and negative option features. On XX/XX/XXXX, I placed a one-time order ( # XXXX ) for {$84.00}. The merchant automatically enrolled me in a hidden subscription without my explicit consent. I immediately emailed them on XX/XX/XXXX, and again on XX/XX/XXXX, explicitly stating I did not authorize recurring deliveries and demanding my card be removed from their site. On XX/XX/XXXX, the merchant replied acknowledging my cancellation request, writing that they " completely understand your decision. '' Despite this, they ignored my cancellation and illegally processed order # XXXX on XX/XX/XXXX. I emailed them again that night demanding a cancellation. The merchant then lied to my credit card company ( XXXX ) during a dispute, falsely claiming I never contacted them until XXXX. This merchant is intentionally trapping consumers in unwanted subscriptions and falsifying timelines to banks to bypass chargebacks. 3. Discover Executive Appeals Letter Send via : Secure Message Center, Fax, or Certified Mail to Executive Offices. Subject : Urgent Escalation : Dispute Appeals/ Case Numbers XXXX, XXXX, and XXXX Dear Corporate Executive Team, I am writing to escalate a failure by your regular Claims Review Team regarding case numbers XXXX, XXXX, and XXXX. XXXX recently stated they are unable to change the outcome, declaring the transactions valid. This decision allows a merchant to successfully commit billing fraud using false statements. The claims team accepted the merchants lie that I did not contact them until XXXX. Attached to this letter is irrefutable evidence proving otherwise. On XX/XX/XXXX ( Order # XXXX ), I wrote : " Please do not send me this product, I did not authorize a continuous delivery. '' On XX/XX/XXXX, XXXX replied : " We completely understand your decision ... '' On XX/XX/XXXX, at XXXX XXXX, I replied : " I did not order this product, please remove my card off your website immediately. '' On XX/XX/XXXX ( Order # XXXX ), I wrote : " I did not order this shipment... Please do not send any product without my consent. '' The merchant 's claim of " no contact '' is entirely fabricated. Under the Fair Credit Billing Act, these are unauthorized charges because the merchant was notified of cancellation weeks before processing them. If your office will not reverse this decision immediately, I expect a prompt response containing : The exact evidence provided by the merchant that convinced XXXX to validate fraud. The specific documentation required to take this to arbitration. I have filed simultaneous complaints with the CFPB and the FTC. I expect a prompt resolution from your executive office. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX

Company response to consumer: Closed with explanation