Consumer complaint received 2023-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
This has been a recurring issue nearly every month for me for over 10 years with this particular Capital One credit account. I received this card when I had some credit issues in XXXX, as a secured credit card. I'll try to explain what is happening as best as possible. This month ( XX/XX/2023 has been the most recent month where said issues are arising ). 

On XX/XX/XXXX, my current balance was about XXXX. I payed {$2100.00} ( statement balance from the previous ) which brought my current balance to XXXX something, hard to remember, as I rely on the Capital One app on my Iphone. In the last two weeks, I make a lot of purchases on this card, as I don't have private transportation and only get my monthly stipend from the XXXX as a XXXX percent service connected XXXX XXXX to live on. This includes food from XXXX XXXX groceries and all manner of small to large purchases. 

Yesterday, the XXXX, I had a current balance of {$1100.00} and some change. It seemed correct, as I knew I had made a lot of purchases, plus about XXXX left as a current balance since my monthly payment on the first. I added up all my transactions for the month showing on the app, and the total amounted to XXXX. This is what showed as my current balance. This included all visible pending and cleared transactions up to the point in which I was adding everything up. But didn't reflect the XXXX some odd credit balance I had remaining a few days after my payment on the first. 

Today, the XXXX, my current balance shows as {$1200.00}. The total after three transactions, which where pending yesterday had cleared. The increase to the current balance were for purchases that were already part of the XXXX balance from the day prior. What I think, in effect is going on is, is pending transactions are being added to the current balance more than once, and the current balance reflected to the end-user, me, is not timely, transparent, nor shown in good faith. 

I've had this issue many, many, many times with this card/account at Capital One. When I speak to them, customer service, they treat everything " seemingly '' in good faith, but tell me what they have on their systems is correct and the same run around explanation about statement balance vs current running balance etc. At the end of every month, billing cycle, I have a noticeably higher and suspect running balance which has put me on the brink of being broke every month, for almost a decade. I just pay as much as I can every month and move on thinking I probably did spend " that '' much. 

This is the first issue. The second, and related issue, is one of the pending transactions. So when I make purchases, through doordash, XXXX, etc, sometimes orders get delivered incorrectly, and pending transactions on my card need to happen twice, because I need my food for the week, didn't get something on the order, and have to re-order. But many times, it seems the orders get completed incorrectly on purpose, for the exact reason to incur more pending transactions on my card, to which the current balance can be manipulated further. 

I think there's some type of organized financial crime network, that takes credit cards, manipulates user financial transactions through social engineering tactics, corrupted phone apps, bot networks, bogus customer service centers ( I seem to talk the same customer service rep, even across different companies ), actual physical residential tracing and stalking, and maybe even corrupted ISP datacenters, in order to finance dark economy activities or just plain other illegal activities in general. I have some basic IT training as part of my professional background. 

Please help me. I'm sure I'm not the only one who has been experiencing this, but I'm certainly one who is vulnerable to such things as I'm a person struggling with mental health. An easy target, which is embarrassing to say but now absolutely necessary to report as I'm better able to describe what has been happening. I received this card when I was living with my mother in XXXX XXXX, CA, a secured card back then to help build my broken credit and it has since been upgraded to a regular card. I've had the card replaced many times over the years, but it is still the same account. 

Thank you. I wanted to report this to the FBI, but they redirected me to this website. I hope my information helps illuminate something larger happening to poor people like me. That justice is sought, served, and if true, victims like myself are compensated.

Company response to consumer: Closed with explanation