Originally Posted by
biggestbopper
Could be a violation of the Fair Credit Billing Act which requires issuer to grant temp credit unless billing error dispute can be immediately resolved.
You did dispute in writing, as a billing error, to billing error address, didn't you.

Sounds like a simple item return, rather than a billing dispute.
Also, OP misrepresents Capital One's forex charge. Cap1 eats the Visa/MC 1%.