Capital One Credit Card Complaint

Capital One Credit card department,

Credit card protection / Debt protection Florida

My Name is - -. This complaint involves many parties ( The Merchant, The issuing Bank and VISA - -, all of which I have filed individual complaints. The party in this complaint is Capital One Bank in what I feel is in violation Claims and Defenses Provision and the Fair Credit Billing act. I have also asked VISA - to investigate Capital One BankThe merchandise purchased was a sofa, delivered during the holidays in late -/-/- using VISA -. It was decided that the quality of the sofa was questionable. It definitely is n't 100 % leather as claimed. - before the merchandise was delivered and this was a bigger concern as the hardness of the furniture made - very uncomfortable, exacerbating the - condition. After the merchant ( -, - Florida ) failed to listen to my concerns about the quality of the furniture and how it also created an uncomfortable environment, I decided to exercise my dispute rights explaining to capital One the reasons. The Capital One Chargeback - case create was # -. During the dispute cycle, I uploading several documents to Capital One 's Transaction dispute center. It was also discovered there was hidden damage


the charge back. I have paid off the Capital One Balance with the exception of the disputed balance in question. I have closed out the account with the disputed VISA ending in - and have also closed out my other Capital One account. I have asked VISA to investigate Capital One as I do not feel Capital One Honored my dispute rights properly. As of today I do not feel this remaining disputed balance is a legitimate debt due to the quality of furniture and other mitigating circumstances. I do not feel this is a valid debt due to the poor quality and well documented circumstances provided to Capital One. I can be reached at - - - or via email at : --