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CB Banks Capital One Complaints #562-581
Capital One

Capital One review: bad policies regarding charge disputes

G
Author of the review
2:15 pm UTC

I ordered a product via online through my phone for $206 in September, 2019. A day or so later, I received an order confirmation which concerned me because it came from overseas. I then researched the company further online to see that it is a company that scams the consumer.

I refused the package and it was returned. I put in a claim thru the Capitol One website to dispute the charge. The merchant had invoiced me for the total of $206, BUT split the charge to my credit cards on 2 separate charges.

The merchant supplied documentation to Capital One to show the charge was valid but provided incomplete information by not showing that the item was returned to them. (In actuality it was). Part of the same 'scam' approach.

The issue with Capital One is ... I provided documentation to them that the merchant actually did receive the package in return, because I did refuse delivery in accordance with the merchants policy. Capitol One gave me credit for one charge and re-billed for the other. They split the issue into 2 different investigations because the merchant the one invoice into two charges.

I contacted Capital One by phone and I explained to them the situation. And even though I made them understand that they cleared the one charge with the merchant for the same issue, they informed me that I will need to provide the same evidence again for the other charge because that is their policy. This is utter nonsense. They have the evidence in their system to show the package was returned but I have to provide it again for the other charge.

It seems to me the merchants know how to manipulate the system to their favor; and in doing so, hope that the consumer does not take notice on their bill. This issue has taken is going into its fourth month from me and has taken well over 6 hours of my time.

Now I have reached the point that I have to ask myself ...
"Whats in my wallet?"
and...
"Do I really want it there?"...

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