I got overcharged $90 by a street vendor who quoted me $10 but charged $100. When I confronted the vendor for a refund, they refused and told me to 'call your bank.'
I filed a dispute with Capital One and they denied it saying I didn't provide enough information. They sent me a detailed dispute form via DocuSign which I filled out completely, answering every single question.
Capital One denied my dispute AGAIN with the exact same reason - 'lacks all previously requested information' - even though I submitted their entire form.
When I called to ask what information was missing, they said I needed a receipt from the vendor. But the vendor is a street cart that doesn't give receipts and already refused to help me. A receipt would just show $100 anyway - it wouldn't prove what price they TOLD me.
Capital One is requiring impossible documentation and using that as an excuse to deny valid billing error disputes. I've now filed a complaint with the Consumer Financial Protection Bureau.
If a merchant scams you and refuses to give you receipts, Capital One will not help you. Their dispute process is a joke.
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