Consumer complaint received 2020-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
THIS IS NOT DUPLICATE COMPLAINT! 
RE : Consumer Finance Protection Complaint remain unresolved. Capital One Bank refuse answer an appropriate resolution. 
Capital One Bank discriminates against the protected class. Capital one bank is retaliating because I filed a complaint with Consumer Finance Protection Bureau Capital One Bank refuse to disclose conflict of interest ; XXXX XXXX  and Capital one is a member of the XXXX XXXX XXXX  organization and ratings are not valid. 
Capital One Bank received emails from the XXXX XXXX XXXX President that XXXX XXXX scammed me, and XXXX XXXX  promised to return my funds to me {$150.00} by XX/XX/XXXX after the dispute is in their favor. 
XXXX XXXX admitted to XXXX XXXX XXXX that Capital One Bank is going to favor them for disputed funds of {$150.00} -before the dispute was settled. 
Capital One Bank promote scams and retaliate against customers who file complaints against them. Capital One Bank refuse to disclose dispute polices. 
Capital one bank favored XXXX XXXXXXXX funds of {$150.00}. Capital one bank is a bank not a professional mechanic to make an appropriate and unbiased decision without a third-party mechanic. 
Capital one bank refuse to disclose dispute policies and practices ; decisions is not based on facts however on opinions, special interest, and without train dispute professionals regarding to mechanics with cars. 
# Account ending in XXXX Consumer Finance Protection Complaints : XXXX XXXX XXXX XXXX XXXX XXXX I filed a dispute on XX/XX/XXXX against a company called XXXX XXXX  with Capital One Bank - card dispute department for {$150.00}. XXXX   XXXX installs front brakes on top of a warped rotor. My car was squealing with loud noises, smell burning, and unsafe brakes. Capital One kept demanding me to go to another mechanic to return my refunds of {$150.00}. I gave Capital One the inspection report from XXXX XXXX as requested ; it disclosed that my car brakes were making noise, driving unsafe, and burning smell due to XXXX XXXXXXXX installing new front brakes on a warped rotor. 
Capital one bank favored XXXX XXXXXXXX. Capital One Bank did not include a third-party professional mechanic to review the dispute. 
Capital One dispute process became deceitful and dishonest with their policies and practices as I began to question them. Capital One bank is not a professional mechanic and how could they determine that XXXX XXXXXXXX installing brakes on top of a warped rotor could not cause issues with my car? Capital one bank refuse to provide me the analyzation and determination of their decision and what third-party professional mechanic they included to review the dispute process and provide me a copy. 
Capital one bank began to be dishonest as they vigorously change the rules, they decided with XXXX XXXX to return the funds of {$150.00}. I had shared with Capital One dispute department information/ documentation from the XXXX XXXX XXXX ( XXXX  ). I gave Capital one bank XXXX XXXX  and I information regarding to the complaint. XXXX XXXX was fabricating and informing Capital One Bank- dispute department a different story and telling XXXX   another story that they were going to return my funds of {$150.00}. 
XXXX XXXX inform XXXX that they are getting the refund {$150.00} from Capital one bank as if Capital one bank and XXXX XXXXXXXX were co conspiring against me before the dispute was resolved. I provided documents that XXXX XXXX inform  XXXX that they were receiving {$150.00} before the dispute was resolved. 
XXXX XXXXXXXX refused to send a mechanic to home to repair the issues as I sent several emails and phone calls for service. I contacted XXXX XXXX XXXX and filed a complaint. XXXX XXXXXXXX responded that they could not make any adjustments to their policies on return or honor the warranty because I had filed a complaint with Capital One Bank. XXXX  closed my case as if XXXX XXXXXXXX were acting in good faith. 
On the other hand, XXXX XXXXXXXX sends Capital One Bank false evidence trying to prevent me from receiving my refunds of {$150.00} as XXXX XXXX installed new front brakes on a warped front rotor. Then XXXX XXXX  sends a inspection report ( after I gave Capital one bank the inspection report requested from XXXX XXXX ). XXXX XXXX inspection clearly explains that XXXX XXXXXXXX install brakes on top of a warped rotor which caused my car problems. XXXX XXXX  inspection report does indicate a warped rotor. XXXX XXXX inspection report was never given to me as I am a customer. Capital one bank favored XXXX XXXX ; Capital One Bank did not include a third-party professional mechanic to review the decision. Since when Capital One dispute department become mechanics? 
Then I received a phone call and an email from XXXX XXXX XXXX President XXXX XXXX where XXXX XXXX  headquarters is located to ensure me the return of a refund of {$150.00} ( see attached ) as I identify the scam. However, the next day, my bank Capital one card services close my dispute siding with XXXX   XXXX stating that XXXX  XXXX evidence was not in error. What does error mean, did Capital One Bank get a review from a third-party mechanic? 
Capital one bank began to change their policies as the card services XXXX and XXXX keep changing the rules. I was refused dispute polices and information and Capital one dispute department became deceptive in their practices. Capital one bank dispute department became sarcastic and inform me to go back to the Merchant, XXXX XXXX for a refund. As you read the next email from the XXXX   President which states that XXXX XXXX will return me the refund from Capital One Bank on XX/XX/XXXX. Capital one bank dispute department is a part of the scam. 
You will imagine that Capital one bank supposes to advocate for me as they have all my funds in their bank as I have credit cards under Capital One Bank and I am XXXX my XXXX check goes directly to the Capital one bank now I have to worry if they will continue to allow scammers to steal from my account? Capital one bank sending me soliciting letters to apply for a car loan to further scam me. 
CAPITOL ONE SPECIAL INTEREST- XXXX XXXX XXXX  I have investigated and discovered Capital One Bank is a member of the XXXX XXXX XXXX ( XXXX ) and the company XXXX XXXX, also. This is a conspiracy. Therefore, Capital One Bank have already known that XXXX XXXXXXXX was communicating with XXXX. Capital One Bank and XXXX XXXX  must pay membership dues to XXXX XXXX XXXX to maintain A+ ratings. Capital One Bank is covering for XXXX  XXXX scam. 
Capital One Bank and XXXX  XXXX has a lot of negative consumer complaints against them. XXXX XXXX XXXX maintains their ratings because they pay members dues. XXXX XXXX XXXX is not a government organization however a business organization they get paid by business like Capital One Bank and XXXX XXXX to help maintain good advertisement and ratings. 
XXXX XXXX XXXX XXXX XXXX XXXX has been under investigation about their ratings according to XXXX XXXX investigation report. XXXX  is giving both Capital one bank and XXXX XXXXXXXX A+ ratings for membership fees. Both Capital one bank and XXXX XXXXXXXX has a lot of negative reviews and complaints covered by XXXX. However, a report found that some businesses with high XXXX  ratings were being investigated for fraud or other illegal behavior. 

The XXXX  uses its own accreditation standards, which are built on the XXXX   Standards for Trust. These eight principles " summarize important elements of creating and maintaining trust in business. Being a XXXX-accredited business can cost companies more than {$10000.00} a year. Capital one bank is protecting XXXX XXXX reputation to scam a customer for {$150.00}. XXXX  has been investigated regarding their rating system with businesses who scam customers. 

SCAMS BETWEEN CAPITAL ONE - XXXX XXXX MEMBERS OF THE XXXX XXXX XXXX I provided emails with communication of the scams ; XXXX XXXX wrote an email to the XXXX  President in XXXX XXXX that they want to return my funds by XXXX XXXX. In the meantime. XXXX XXXXXXXX wrote to Capital One Bank dispute department not to return my funds. In addition, I provided an email that the XXXX  President inform me XXXX  XXXX is going to return my funds of {$150.00} at the end of XXXX. Capital One Bank favored XXXX XXXX   false evidence provided because they both members of XXXX XXXX XXXX   Capital one bank supposes to be advocating for me, my funds, and protecting me from scammers. 
Capital One Bank policies and their dispute department are fraudulent because they are serving their self-interest, XXXX XXXX, XXXX and it all about Capital one self-interest- XXXX  membership and not about the customers. Capital one bank failed to disclose that XXXX XXXX is in the same member organization XXXX XXXX XXXX that is why Capital one bank demonstrate such biases in their decision making. 
My plans to get my money out due to a lack of trust with Capital one bank as they can allow XXXX XXXXXXXX scammers to take vulnerable customers ' money out the bank. Protected class customers must be ware, too. 

OTHER DISPUTES I MADE WITH CAPITAL ONE I been a customer with Capital one bank and have all my checks electronically deposit in my account. I had filed other disputes and never experience such corruption with XXXX XXXXXXXX. I had filed a dispute with a company name XXXX XXXX : Claim # XXXX for account ending in XXXX.I filed the dispute XX/XX/XXXX because XXXX  shipped the shoes however it was shipped to the wrong address and then it was lost. 
The USPS found the shoes I immediately called Capital one bank to inform them to stop the claim and return the funds back to the sender of {$27.00}. On XX/XX/XXXX, I received an email from Capital one bank, and they gave me the funds {$27.00} without an explanation event though I had the shoes. Therefore, I got the shoes for free, Capital One scammed XXXX. 
The Capital One Bank policies and practices are inconsistent and hidden, Capital one bank dispute department refuse to disclose the dispute process, policies, and practices, how decisions are made and the appeal process. 
The supervisors in the dispute department has different policies. XXXX, who granted me time to obtain an inspection report from another mechanic. XXXX, dispute supervisor wanted to punish for listening to XXXX. She complains about her coworker on the phone with me which is unprofessional. Therefore, Capital one bank applies different rules and they need to be investigated how they handle customers during the dispute process. 
CAPITAL ONE BANK IS CORRUPTED Capital One bank needs to be investigated especially with the protected class member in XXXX XXXX. Capital one bank should disclose policies as I was told different policies by two different supervisors XXXX and XXXX. As I filed a complaint with Consumer Finance Protection Bureau, the Capital one bank is retaliating because I filed a complaint with  Consumer Finance Protection Bureau on XX/XX/XXXX. 
In conclusion, Capital one bank help XXXX XXXX  to scam {$150.00}, a member from a protected class and then harass me by sending various emails on XX/XX/XXXX to get another inspection report from another mechanic. The company XXXX   XXXX gave Capital One Bank their inspection report and never gave me a copy and I am a customer. Capital one bank kept changing rules, refuse to disclose policies, card dispute supervisors ( XXXX and XXXX ) gave different rules and angry with each other, failure to disclose conflict of interest with XXXX XXXX ( business partners in the same members organization ) and Capital One Bank retaliated and discriminated because I am under the protected class. 
I provided emails that the XXXX  President sent to me communicating from XXXX XXXX  about the return of my money {$150.00} after XXXX XXXX  receive it from the Capital one bank. I provided emails I sent to the XXXX President that XXXX XXXX scam me and the President of XXXX replied XXXX XXXX is returning your money {$150.00}. ( see attached ) I provided an email to Capital One Bank and Consumer Finance Protection Agency that XXXX XXXX wrote to the XXXX   President that Capitol one is returning the funds {$150.00} before the dispute decision was made. That is why I knew it was a scam between XXXX XXXXXXXX and Capital One bank. ( see attached ) I am in the process of closing all my accounts with Capital One Bank because I dont trust them due to the dishonest and scam. I am invited to do a public interview on media about my experience to share to the world which I am going to expose Capital One Bank and XXXX XXXXXXXX. I have direct deposit the month of XXXX and this is the last month XX/XX/XXXX as I changing to a new banking company. I have two credit cards which I am going to close because they are attached to Capital One Bank. I request Capital One Bank to close my savings account because I am no longer going to put any funds into that account however they refused. 
CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the Comptroller of the Currency Consumer Financial Protection Bureau Federal Trade Commission Federal Bureau of Commission Department of Justice0

Company response to consumer: Closed with explanation