Consumer complaint received 2024-05-13 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: FL

Complaint narrative:
I am writing to file a formal complaint against Capital One regarding their refusal to address and rectify an unauthorized charge on my credit card account. Despite repeated attempts to resolve this matter directly with the company, they have failed to take appropriate action, leaving me with a significant financial burden and unresolved concerns about the security of my account. 

On XX/XX/2024, I noticed there are 3 charges on my credit card statement that I did not authorize nor recognize ( Case Number : XXXX Date : XX/XX/2024 Amount : {$1100.00} ; Case Number : XXXX Date : XX/XX/2024 for Amount : {$6700.00} ; Case Number : XXXX Date : XX/XX/2024 Amount : {$810.00} ) Immediately upon discovering this discrepancy, I contacted Capital One customer service to report the unauthorized transaction and initiate a dispute process. I provided all necessary information, including XXXX history of the payments with the merchant, the letter that I sent to the merchant, and any other relevant documentation requested by the company. 

However, to my dismay, Capital One has repeatedly refused to acknowledge the unauthorized nature of the charge and has neglected to investigate the matter further. Despite providing ample evidence to support my claim, they have instead insisted that I am liable for the charge, leaving me feeling frustrated, helpless, and unfairly burdened with a financial obligation that I did not incur. 

As a consumer, I rely on the protections and assurances provided by my credit card company to safeguard my financial interests and provide prompt resolution in cases of unauthorized transactions. However, the actions of Capital One in this instance have fallen short of these expectations, and I am deeply disappointed by their lack of accountability and failure to address my concerns in a timely and satisfactory manner. 
Unfortunately, currently the merchant is now being investigated for fraud for the criminal charges that he has made, and you continue to accuse me of being responsible for. You have left me no choice but to hire an attorney and prosecute all involved in this situation. XXXX be seeking damages and reimbursement of all charges and fees. Civil charges seeking repair and reimbursement of damage to personal property that was in his possession at the time are also being investigated and documented. Active open investigation case numbers in all of the matters are available if requested by mail or my attorney. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and intervene on my behalf to ensure that Capital One upholds its obligations to its customers and resolves this dispute fairly and expeditiously. Additionally, I request that appropriate measures be taken to prevent similar incidents from occurring in the future and to hold Capital One accountable for their handling of unauthorized transactions and customer complaints. 

Thank you for your attention to this matter. I look forward to a swift and favorable resolution.

Company response to consumer: Closed with explanation