Consumer complaint received 2023-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XX/XX/XXXX, XXXX This Consumer phoned Capital One Credit Call Customer Service XXXX to find out " WHY '' Capital One locked this Consumer out of her Credit Card XXXX After receiving a few Email Notices concerning a Declined. Charge from XXXX ( a Grocery and Delivery Service ) about a charge of {$160.00}. 

Capital One 's Email and Capital One 's Customer 's Call Center 's Female Representative DID NOT ADDRESS THIS CONSUMER 'S QUESTION OF " WHY '' SHE WAS LOCKED OUT OF HER CREDIT ACCOUNT. 

This Capital One 's Representative wanted this Consumer to make a payment to help avoid future declines. She also told this Consumer that Consumer owed Capital One a balance of {$150.00}. ( Also stated in Capital One 's Email ). 

Consumer repeatedly inquired what credit amount was available on this Consumer 's Account. Getting very frustrated with this Representative 's demand for ANOTHER PAYMENT. This Representative finally answered this Consumer 's available credit amount available {$140.00}. 

Then This Consumer was told that Consumer had to change Consumer 's Password. 
Explained that She had to read terms/conditions that this Consumer HAD TO AGREE TO. She read the first Term/Condition- Consumer asked if Consumer would receive a copy of this Term/Condition that Consumer HAD TO AGREE TO. Representative DID NOT RESPOND. Representative stated to Consumer had to agree to this agreement so Representative get into Consumer 's Account and for Consumer to change Password. Under VERBAL PROTEST Replied " I guess so '.

2nd Term/Condition disclosed to Consumer was stated for Consumer. At this Time, Consumer asked again, would Consumer receive a copy of this Agreement. REPRESENTATIVE RESPONDED WITH SILENCE. 

Consumer stated- '' Consumer is going ro have to Record Conversations like these '' ( Common Sense.Consumer will Not receive a Copy of these terms/Conditions, being forced to agree to. ) CAPITAL ONE 'S REPRESENTATIVE VERY RUDELY STATED TO THIS CONSUMER TO " TURN OFF CONSUMER 'S RECORDING OF THIS CONVERSATION. '' ( Several times ). Which Consumer stated " IF CONSUMER WAS RECORDING THE CONVERSATION. '' Consumer tried to explained that CA has laws about Consumer 's have to receive copies of any Contract within ten days. [ CA CIVIL CODE sec. 1799.202 ] Also stated in the [ CA Consumer Protection Act, 2002 ] - states for Internet contracts/Agreements -15 days to be delivered to Consumer. 

Representative insisted that This Consumer HAD to Agree to Capital One 's 2nd Terms/Conditions that Consumer has to Agree to pay Consumer 's Data costs to allow Capital One 's Notices. Under PROTEST this Consumer felt threaten to do so, to save Consumer 's Credit Rating. 

This Consumer Demands that Capital One to Rescind these 2 Terms/Conditions that this Consumer was forced, undress to agree to. Just to change a XXXX PASSWORD. 

Consumer 's quoted [ CA CIVIL CODE sec. 1689 ] - " Rescission extinguishes the Contract, terminates further liability on the agreement, and restores the parties to their former positions '' This generally requires each party to return any consideration received prior to the rescission. '' LASTLY- ALL OF THIS MISUNDERSTANDINGS WERE DUE TO THIS CONSUMER FORGOT SHE FROZE HER CARD FOR THE PROTECTION OF WRONGFUL USE OF HER CREDIT CARD. NO RECOGNITION THAT THIS CONSUMER FIRST PAYMENT WAS NOT THE MINUIM PAYMENT VUT RATHER {$100.00} ( 3-4 times over the minimum amount ) THAT WAS DUE THE MONTH OF XXXX. 

This Consumer feels that Consumer 's DO NOT HAVE TO PAY WITH CONSUMER 'S DATA PLANS FOR CAPITAL ONE 'S ABUSIVE CONSTANT ADVERTISING OF OTHER CAPITAL ONE 'S SERVICES. THESE SERVICES BELONG TO CAPITAL ONE 'S BUSINESS EXPENSIVE OF BEING IN THEIR BUSINESS COSTS OF ADVERTISING NOT DELEGATING THEIR BUSINESS CHOICE OF ADVERTISING TO THE CONSUMER. 

This Consumer feels is due 1 Stock Certificate from Capital One, cause she is paying for Capital One 's business Expensive 's and Considered a Stock Member of Capital One. 

CONSUMER WANTS TO HEAR WHAT CAPITAL ONE HAS TO SAY FOR THEMSELVES. DO NOT RESPOND " APOLOGIZE FOR THIS CONSUMER 'S INCONVENIENCE '' THIS IS CONSUMER " BASHING '' AND A " DIRECT AGGRESSIVE ASSAULT ON CONSUMER 'S '' CAPITAL ONE IS HEREBY NOTIFIED THAT CONSUMER 'S INCOME THAT PAYS CAPITAL ONE 'S MONTHLY PAYMENTS AS PREVIOUSLY AGREED UPON IS PROTECTED UBDER [ [ 42 U.S.C. 407 ] SOICAL SECURITY ACT sec. 207 GREED SENDS A MESSAGE TO CONSUMER'S- CREDIT CARD INSTITUTIONS FORCES CONSUMER TO PAY CASH. CONSUMER 'S WILL TURN AWAY FROM CREDIT INSTITUTIONS CREDIT FINANCIAL INSTITUTIONS WILL NOT MAKE PROFITS OFF THE CONSUMER 'S PAYING YOUR INTEREST RATES! SO THUS CAPITAL ONE 'S COMPANIES WILL CRASH. RIGHT?

Company response to consumer: Closed with non-monetary relief