Wrong bank to bank with. Filed a dispute against a scam company after I paid for an item and never received it. Capital one issued a temp credit into my account and claimed they were investigating the matter. After giving the merchant a long time to respond, they finally asked me to present more documentation and gave some days to respond. Shockingly that same day when I faxed (and also emailed my documents to capital one, they already made a decision in favour of the merchant without going through what they asked me. How do I know that, you ask? I called Capital one and asked why such decision when I never received the item, nor got a refund. They said they "did not" get my documentation(s). Then I asked them, but even if you did not get my documentation, you already gave me some days to respond yet you made your decision already same day you sent me the email to send my documentations. Let me ask you reading this a question. If capital one did not receive my documents, was it proper to make a decision so soon? I resent the documents again to that same email. I did call and a staff said they got it. So, why did they not get it before? I later got the same wrong decision sent to my email box a second time. This shows, someone just sat in their house or office sipping coffee or tea and made a wrong decision swiftly without looking at the impact of such decision on the customer (me). I called again, this time, it took them more than 40mins on the phone with me and yet still counting time. The staff was reading the documents before me. Wait! Is this reading not suppose to be done in private as an "investigation" without me waiting on the phone with you? This is gross incompetence. An investigation, open reading in front of a customer?! This shows I was been played at and not taken seriously as a customer.Now capital one wants to take the credit back from my account when I do not have the item. This means that I am paying for something I did not receive and also losing money. This is fraud/scam from the merchant and negligence from Capital one and such companies should not be in existence.
