Consumer complaint received 2026-04-24 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 filing this complaint regarding a {$6000.00} debit card transaction with Capital One that was improperly denied during the dispute process. While I acknowledge that I authorized the transaction, this is not a fraud claim. This dispute is based on misrepresentation and deceptive practices by the merchant, which directly affected my decision to proceed with the purchase. At the time of the transaction, the merchant failed to clearly disclose critical conditions, including strict post-purchase restrictions and an extremely limited return policy that made it impossible to properly evaluate the product within a reasonable timeframe. These conditions were not transparently explained prior to payment. Shortly after the purchase, I began experiencing adverse symptoms and concerns related to the product. As soon as I was able to identify the issueapproximately around theXX/XX/XXXXweek period imposed by the merchants own restrictionsI immediately attempted to contact the company to report the problem and seek a resolution. Despite this, the merchant did not provide any meaningful assistance or resolution and failed to take my concerns seriously. I then attempted to resolve the issue directly with the merchant, without success. I filed a dispute with Capital One and provided supporting documentation, including receipts, evidence of my attempts to resolve the matter, and additional proof demonstrating that the product/service was not as represented. Capital One denied my claim solely on the basis that the transaction was authorized, without properly evaluating the substance of the disputespecifically, the misrepresentation and deceptive business practices involved. This reflects a failure to conduct a reasonable investigation under applicable consumer protection standards. I also requested further clarification and a detailed explanation of the denial, but did not receive a meaningful or complete response addressing the issues raised. I am requesting that Capital One : Reopen and properly reinvestigate this dispute Evaluate the claim under the correct classification ( misrepresentation, not fraud ) Provide a detailed written explanation of their findings Issue a refund for the disputed amount This situation has caused significant financial harm, and I am seeking a fair resolution in accordance with consumer protection laws. In addition, I became aware of similar complaints from other consumers reporting comparable issues with this merchant, which further supports a pattern of potential misrepresentation. I also incurred additional expenses related to medical concerns, including allergic reactions that required attention. Furthermore, I have been forced to take on the responsibility of finding a proper home for the animals due to the circumstances surrounding this transaction.

Company response to consumer: Closed with explanation