Consumer complaint received 2020-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My name is XXXX XXXX a self employed XXXX in XXXX, MA. I switched to Capital One in XXXX after 22 years with XXXX XXXX XXXX. My decision was simple. I wanted a different and more personal banking experience. 
Admittedly, I have had my shares of mis-steps in overdrafts or balancing being a newly self employed realtor, caretaker, wife and XXXX. 
In XX/XX/XXXX, I made another bad decision to save money and switched from XXXX XXXX XXXX ( which I had for over 10 years ; I purchased this plan when I purchased my house in XX/XX/XXXX ) ; and joined XXXX XXXX XXXX and purchased a 3 year plan. It was a horrible decision, because not only ( after the 30 days probationary period ), I was told the items that I arranged to be fixed, that I would have to pay a fee for the service calls, parts and labor - which I was never charged for with XXXX XXXX XXXX, not to mention, they use the same technician, who also advised me that this company is not what the say to be, he gets paid regardless, but see how they charge their clients and are notorious for denying claims. Needless to say, I immediately cancelled XXXX XXXX XXXX and have the proof to demonstrate this. I didnt even bother to dispute the service charges paid to the technician to them, I wanted this relationship to be over. After several calls, XXXX XXXX XXXX, refunded me {$350.00} which was for 1 year of the 3 year plan. They are refusing to refund me the remaining balance, which is how the claim was initiated - I am requesting the remaining two ( 2 ) years. After several conversations with different supervisors at Capital One ( Some seemingly understanding, others not ), I have emailed over correspondence, the original warrantys, offered to have a 3 way conversation with the vendor so, Capital One can hear them lie to me I have called my local Investigative reporter at XXXX - XXXX XXXX, whom called them and they told her they would issue an refund ( I have the email from the after her conversation ), but they were dishonest with her also. 
XXXX, XXXX - Complaint - CapitalOne - 360 This is NOT an issue of buyers remorse, but as a Mother and caretaker of an XXXX XXXX XXXX mother with XXXX, a husband that is recovering from his second bout with XXXX, every penny does count. I want to spend my money where I want to spend it and THIS company is NOT deserving. I cancelled their services literally within 2 months after signing a contract - if they wanted to charged me for that month, I wouldnt have fought it, but to charge me for two years, is unacceptable, unethical and fraudulent. I have proof that I contracted with XXXX XXXX XXXX and pay them monthly and not only did they service my appliance, because it wasnt repairable, they replaced it and ALL I paid out of pocket was the {$100.00}, my plan promised I would have to pay. 
Furthermore, I am truly disappointed that a bank I chose to protect and represent me has caused me this much frustration and grief. Its almost like they dont believe me and feel Im lying and and siding with this fraudulent company. I tweeted capital one yesterday and got an immediate response, I was super excited, finally someone is going to listen, only to get a response that was cold and callous and prompted me to send an letter to you with hopes that Capital One isnt going to let me down and someone will call me and give me the personal one on one attention ( Capital One says it will be and the different bank it advertises to be ) .. 
otherwise, Ill go back to XXXX, at least I know they will protect me.. at whatever cost. 
In these scary times one of the things that can be respected is honesty and integrity. 
My bank expects as a customer I will not engage any nefarious behavior and will protect my interests accordingly. As a customer, I expect my bank to do their due diligence and protect me as a customer and not make me feel like a thief. 
I am respectfully asking for Capital one to further investigate this matter. I am not looking for any compensation of the all the overdraft charges I was charged as a result of these reversals fo the 3 times I have called to dispute these charges, but I am asking for my bank to really research, because if they did merely of my account, they would see that I paid another company the month they said that I continued service and I have the contract to prove it. 
Thank you in advance for your time, consideration and cooperation in this matter. 
I can best be reached via email at : XXXX. 
I look forward to receiving a response. 
Warmly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX

Company response to consumer: Closed with non-monetary relief