Capital One Credit Cards Rejected a credit card dispute for $970.00 Salt Lake City Utah

17 December 2022

Capital One

P. O. Box 30279

Salt Lake City, Utah 84130-0279

USA

Dear Capital One Representative,

I confirm receipt of your correspondence dated November 21, 2022 regarding case number 221008174890836. Capital One claimed that I did not submit adequate documents/correspondence. This statement is false.

It is evident that Capital One has no regards for a client’s position on disputed cases based on facts. Examples from my case plus my experiences with Capital One’s deplorable business of providing inadequate means to communicate with them plus a response team that cannot make decisions but only using a prescribed protocol demonstrates my belief that Capital One does not support its clients/customers.

Your response date is November 21, 2022 and my communications letter to you was dated November 19, 2022. Capital One advised my reply deadline was around 10 December 2022, so you based your reply on speculation, not facts. I mailed my letter from Portugal on 20 November 2022, so your response was before the reply deadline and before you received my reply with documents. My fax response to the dispute was delivered to Capital One on November 21, 2022 at 8:44am before the deadline to respond. It appears that you did not read my fax documents either.

Please review my letter dated November 19, 2022 and an attachment showing that Priceline policy for the Holiday Inn hotel could be canceled. The letter also provides information why Priceline’s charge of $127.30 to cancel the reservation was not valid. Please read point one in my letter. Priceline’s cancel policy states that the reservation my be canceled 7 days before arrival. I canceled the reservation on October 8, 2022 about 9:00 am PST, seven plus days before the cancellation penalty. This time is before the 7 day cancellation policy deadline since my check in time was 3:00 pm PST.

I have also enclosed communications from Priceline showing that I canceled the reservation on October 8, 2022 with a refund due of $848.15. I dispute their claim that I should pay a reservation cancellation fee of $127.30. I could cancel the reservation before Priceline’s cancellation policy of 7 days before check in. Check in as listed on their papers shows the checking time of 3PM on October 8, 2022. Please credit my account for the $975.45 immediately.

It is deplorable that Capital One does not accept email communications regarding disputed transactions nor any viable means to communicate with them. Why can Capital One emailed me communications about this dispute, but not allow me to use this communications method with them? I talked with your representative on 16 December 2022 regarding my dispute and disagreeing with Capital One’s rejection of my request for a refund. Camilla advised that I did not provide adequate information to dispute the Priceline claim. Obviously, she did not review my response. She advised that my correspondence did not provide the requested information. I have no communications from Capital One about required information. When I talked with your telephone representative she advised that I needed to send a letter to Capital One with the reasons for my position. Her and Capital One statement that I did not support my contention that I should be refunded the $975.45 is bogus. When I finished my communications with Camilla I advised her she needed to confirm my statement that I disagreed with Capital One’s communications dated December 9, 2022. She advised that she could not confirm the communication with her on this matter.

I also advised Camilla to update my communications methods with Capital One, per your communications with me. I provided two telephone numbers which can be used to contact me. They are: 1. +351-924-785-679 or you can use my wife’s USA number 1-925-360-8357. I tried to update this information on your web site but could not because of the international number and due to my wife using the 925 number on her capital one account.

It is very evident that most of the online reviews about poor or no support from Capital One is true. How discouraging!

In summary, Capital One needs to credit my account for $975.45 immediately. The enclosed information from Priceline clearly supports my request. Priceline cannot justify their charge of $127.30 to cancel this reservation. Capital One needs to support my case with Priceline, not ignore it like my previous communications.

Send me an email confirming receipt of my communications and document from Priceline confirming my canceled trip.

If you need to communicate with me please use email: danpplute@gmail.com or via telephone number +351-924-785-679.

Best Regards,

Dan P. Plute