Consumer complaint received 2020-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dear Consumer Finance Protection Bureau, This is additional information for case COMPLAINT ID XXXX REGARDING : Capital One dispute policies and investigation/ fraudulent activities YOUR MECHANIC Dispute Claim Number # XXXX Claim Number : # XXXX I am adding an email on XX/XX/2020 from XXXX XXXX XXXX President,  XXXX XXXX stating that my money will be returning {$150.00} from Your Mechanic as I claim that Your Mechanic was wrong for scamming me. ( see attached ) I am adding an email on XX/XX/2020 from Capital one card services investigation who refuse to inform me why my dispute failed however telling me to go back to the Merchant for my funds {$150.00} after I provided proof of the scam ( see attached ). It is my belief that Capital one is involved with the conspiracy and not in the best interest of the customer XXXX XXXX however serving special interest Your Mechanic. 
It is my belief that Capital one card investigations is a part of the scam, conspiracy, and deceitful practices ; refusing to conduct a fair and impartial investigation on my behalf as a customer, especially after I provided proof. I believe that Capital One card investigations need to be investigated on their policies, practices, and participation on scams. How they treat protected class customers. Capital one bank card services will communicate with Your Mechanic who is not a customer ( XXXXowned ) and refuse to communicate with me. 
I called for Capital one escalation department to call me since XX/XX/2020 and Capital one supervisor XXXX and XXXX inform me that the department will call me within 14 business days, they have not returned my phone call as of yet. 
I received a letter from Capital one to get a car loan but How can I trust a bank that refuses to fight for me against scams? 

SUMMARY On XX/XX/2020 Capital one denying my claim ( see attached ) without an explanation. I sent the Consumer Finance Protection Bureau my dispute on XXXX as Your Mechanic sent different lies of communication to XXXX XXXX XXXX ( XXXX ) and Capital One Bank. Your Mechanic admitted to XXXX that they changed theirs policies from adjustments or refunds as I filed a dispute with Capital one bank on XX/XX/2020. I disclosed this to Capital one card services however they chose to ignore such evidence. 
Capital one card services state that I refuse diagnostic as I provided evidence that Your Mechanic was also uncooperative as they refused to communicate with me on several emails and phone calls to diagnose, repair, and honor their warranty on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. ( CFPB XXXX ). On XX/XX/2020, Your mechanic told XXXX  that Warranty on file and told me to contact them for warranty repairs, I contacted Your mechanic on XX/XX/2020, XX/XX/2020 and XX/XX/2020 ( Warranty is  for 12 months and XXXX miles for the brakes ). Your mechanic tried to charge me {$89.00} for a diagnostic which is against the warranty. 
As I provided evidence, Capital one card services and supervisors harassed me in several inquiries, to get another mechanic inspection report and my funds we be return to me of {$150.00}. However, Capital one card services fabricated and return the funds back to Your Mechanic. 
I am on a fixed income XXXX person and I have bills set for me every month. To take money away from that I can not afford will cause a negative and Capital one is causing it. If there are legal options I can pursue or any justice to stop such injustice and dishonesty I will participate. All the evidence I provided COMPLAINT ID XXXX, Capital one bank is dishonest and conduct a false investigation to protect Your Mechanic for personal matters. As a customer, I am not protected by this bank from any scams. I find Capital one to be discriminatory and less interested in serving the little people in the bank.

Company response to consumer: Closed with explanation