Consumer complaint received 2016-06-28 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I disputed the following charge online, since the merchant and the transaction are completely unknown :. Despite I filed a dispute online, the charge was reapplied to my account XXXX. I also provided additional information in writing ( online chat - I do not have more information since the charge is unknown ) which was not considered. I tried to redispute in writing ( online chat ) which they refused. This is a violation of my legal rights. 




XXXX XXXX, XXXX Transaction Date Thursday, XXXX/XXXX/2016 Posted Date Saturday, XXXX/XXXX/2016 Details Gas Appears on your statement as : XXXX XXXX, XXXX XXXX FL XXXX US I received the following receipt confirmation of my dispute. Case Number XXXX Hello XXXX XXXX, Thank you for submitting a dispute claim online. We 've created a dispute case and are researching your claim. We will notify you of any status changes as they occur. If you have questions, please give us a call at XXXX. Our XXXX Representatives are available from XXXX to midnight Eastern Time, Monday through Friday, and from XXXX to XXXX Eastern Time on Saturday and Sunday. Regards, Capital One Transaction Support Center Today I noticed the charge was reapplied to my account without any investigation of notice. Since this charge is known, I consider this a violation of their fraud guarantee and my rights. TRANSACTION REBILL Transaction Date Thursday, XXXX/XXXX/2016 Posted Date Monday, XXXX/XXXX/2016 Details Gas Appears on your statement as : TRANSACTION REBILL XXXX US You XXXX I disputed a charge under case XXXX. Obviously the charge was credited and now charged again XXXX/XXXX/2016. This is re-disputed. The charge is complete unknown. 
XXXX XXXX XXXX Hi there. Wonderful to have you on chat. 
You XXXX Amount {$120.00} XXXX XXXX I can certainly understand your concern. I 'll quickly access the account and check if there is any notes from our dispute department regarding and assist you accordingly. 
XXXX XXXX XXXX To start, would you please verify for me your first and last name as it appears on your card? 
You XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you. 
XXXX XXXX XXXX You should see some verification questions expand from the right side of your chat window. Please enter the requested information and click XXXX. 
XXXX XXXX XXXX Thank you for verifying that information. Bear with me for just a moment while I review the account. 
XXXX XXXX I have successfully accessed the XXXX business account. 
XXXX XXXX XXXX Thank you for your patience. 
XXXX XXXX XXXX After reviewing your account, I see that you have disputed the transaction with XXXX XXXX, XXXX, XXXX XXXX for {$120.00}. 
We reapplied the disputed amount to your account, which will show up as a XXXX XXXX on your statement. We contacted the merchant and attempted to obtain a credit. We have sent you a letter which includes the merchant 's response to our request for credit. Capital One supplies the merchant 's response to you so that you can review the information and respond. 
In the letter that we sent, we requested some additional details that we will need in order to continue the dispute on your behalf. 
Please provide the supporting documentation and your response by the date listed on the letter. 
I see that the letter was issued on the account on XXXX/XXXX/2016. Since our dispute department still not received any further documents to process the dispute the disputed transaction was rebilled. 
In this case, you can contact our dispute department directly and check what documents are required to further investigate on the disputed charge. They will assist you further how to move forward. 
XXXX/XXXX/2016 Capital One Chat XXXX ... XXXX Please

Company response to consumer: Closed with monetary relief