Consumer complaint received 2023-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CAPITAL ONE CASE : XXXX ACCOUNT EDNING IN XXXX Fraud was happening on my card and i told Capital One about it. Capital hires incompetent people in a foreign country to conduct this " CUSTOMER SERVICE ''. Since the fraud in question is " PENDING '' there is nothing they can do nor " HELP '' their customer to " PREVENT '' it. Instead i get incompetent service to where i am dealing with people that do not know what they are doing, nor do they care at all! 
XXXX charged my credit card one amount and then charged a different amount after i " checkout '' buy a vacation trip. The amount that i agreed to was not what i was charged! Since this is a vacation trip, it booked a fight and stay in Hawaii. To deal with again, incompetent service from a foreign country to dictate how i can spend my money, rather than being a consumer. The hawaiian flight was no longer available for non-stop flight ; if i did their way on fraud, i will lose the trip i paid for ; between the value of the trip and non-stop flight. Therefore the trip i wanted would have been null. However after dealing with Capital one wonderful incompetent service ; apparently their policies supercedes my constitutional rights as an american citizen. They closed my account down and expect me to pay the remaining balance. 
First off, Capital one does not have the right do what they do; ESPECIALLY since they have committed treason. Not sure where it is legal for them to send my private information to a foreign country. Given employees in a foreign country of capital one american rights? So USA company can still be on american soil while conducting services on a foreign country? Does the american government tax those foreigners paychecks that is based on an american company? 
Secondly, Capital One forces american citizens to agree to terms of service ; which strips away our constitutional rights an american citizen has, considering justice in court is now justice with arbitration paid by the corporation to get one sided results, their own justice. In other words, they are above the law? 
Third, for them to attempt to want money from balance on an account they CLOSED that was always paid on time and also was open for close to 15 years!!! 

In conclusion, CAPITAL ONE closed my account down NOT on facts of finances, but on facts with words. Fraud was happening ; they did nothing. Defeats the point of " PREVENTING '' or PROTECTING when you do not protect when the customer is stating the problem as its happening! 
I AM PAYING XXXX MONEY TO CAPITAL ONE! NO MONEY TO THEM! 
IF THEY WANT THEIR MONEY, then they need to take me to court. They can not have both ways, their way or no way ; again defeats the point of you, government! Since i am not allowed to talk to them, they can XXXX XXXX XXXX to think i will pay them the balance after them doing this to me. By letter in the mail. Thats how i found out. Nice retaliation on by Capital One. 
Furthermore with the conclusion, how is it i called about fraud and your employee did NOTHING and i called out their bs while instigating me on the phone is that my " behavior '' is the problem? I mean FRAUD did happen, you, capital one still did nothing about it. Is it still my fault for not following up on the telling you about it? In retrospect, i did call about the FRAUD, not about my " BEHAVIOR ''. I guess not only you are my creditor, you are also my " BEHVIOR '' police?!? But not " FRAUD '' police? Like you advertise and market about. SO, lying is ok, but my " BEHAVIOR '' is appalling enough that it warrants you to violate my constituionla rights as american citizen that has foreigner has MORE rights than i do? I am not a slave! 
Also, did you bother to look that i did call back after your stupid XXXX representative for your company did nothing that another represenative listen to my concern and addressed it to make sure that i had information that not only would protect me, but show you, capital one a problem. Instead you closed my account down because of my " behvior ''. Talk about a coverup, scam, shenanigans, total XXXX excuse on capital one side to make things go away. If i was the problem with my credit card, on not making payments, then i would see an issue. However, telling your incompetent represtative, by the way is a female, and HATES men, how is it my fault again?? 

CAPITAL ONE = XXXX. I mean, they do support it! I am one person, they are global ; i think CAPITAL ONE is more than a threat than one person! 
Either way, based on the track record of other legit complaints ; CAPITAL ONE will respond with a letter stating they closed my account down due to my behavior over the phone. Then that is suffcient evidence to conclude that the BIG CORPORATION that supports your paychecks, i mean your taxes. Again, either way, my information will be documented. Thats all that matters to me, so when we finally do to go court. I will show that i TRIED to entrust my government to help, but all i get in the end is just pure incompetence! I can not fix stupid, however stupid dictates!

Company response to consumer: Closed with explanation