I purchased a genuine fox fur blanket online and received a synthetic piece of rag instead. Seller said to pay and mail it back to China or no refund. Filed a dispute with capital one. They made me fill out a form with a whole grip of questions and provide a whole grip of evidence, which I did. They temporarily credited my account pending investigation. Few weeks later they recharged the amount because the seller “provided tracking showing that the product was delivered”. I spent many hours on the phone explaining that this is a bait and switch scam and that I shouldn’t have to pay to ship this to China because this is not my fault in any way. Capital One kept insisting that they can’t do anything until I ship this back or provide an authentication letter from a reputable seller of similar products because those are mastercards rules. I asked if I can speak to MasterCard to explain the case and that I cannot obtain such a letter of authentication because there’s no such store where I live and even if there was, no one would do such a ridiculous authentication for free... so it’s either pay to ship it back or pay to get that letter which I can’t even do due to where I am located and the nature of the product. Furthermore, they are requesting for me to provide a letter of authentication while at the same time the only thing that the seller had to provide was a tracking number. Seller was not asked to provide any proof of authenticity or anything even remotely similar. Capital One responded that MasterCard wouldn’t know what to do with this because it’s Capital Ones responsibility to deal with this. Numerous reps fully admitted that they are aware of these scams and that they see them daily, but are unwilling to do anything about them. They drove me hysterical numerous times and in the heat of passion I used pretty aggressive language with profanities and stuff. After days of dealing with this and not coming to any resolution, I gave in and purchased a shipping label to China and sent the “product” back. When I provided the tracking information to capital one, they said they this case is closed and I’m SOL. After many more hours of heated conversations with multiple reps, I was able to find a rep that figured out a way to reopen the case and again temporarily credited this amount back to my card. I am still waiting for the final determination on that case, but today I received a letter from capital one saying that because I used inappropriate language which they drove me to do, they are closing all of my account a with them.