Consumer complaint received 2020-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
THIS IS NOT DUPLICATE COMPLAINT! 
RE : Capital One Bank discriminates against the protected class. Capital One Bank refuses to disclose conflict of interest that Your Mechanic is a member of the XXXX  organization and Capital One Bank is a member of XXXX. Capital One Bank promote scams and retaliate against customers who exercise protected activity. Capital One Bank refuses to disclose dispute polices. Capital One Bank refuses to address my complaint and I am sending more evidence. 

# Account ending in XXXX Capital One CID : XXXX Capital One CID : XXXX Capital One CID : XXXX OCC Complaint ID : XXXX CFPB Complaint ID : XXXX CFPB Complaint ID : XXXX I filed a dispute on XX/XX/2020 against a company called Your Mechanic with Capital One Bank - card dispute department for {$150.00}. Your Mechanic installs front brakes on 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 receive 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 Your Mechanic put new front brakes on a warped rotor. 
Capital One dispute process became deceitful and dishonest with their practices as I began to question them. They began to be dishonest as they vigorously change the rules, they decided with Your Mechanic to return the funds of {$150.00}. I had shared with Capital One dispute department information from the XXXX XXXX XXXX ( XXXX  ). I gave Capital one that Your Mechanic and I were in a complaint process with the XXXX XXXX XXXX. Your mechanic was fabricating and informing Capital One Bank- dispute department a different story and telling XXXX  another story. I decided to disclose such information to Capital One Bank- card dispute department the communication between XXXX and Your Mechanic. Your Mechanic informs XXXX  that they are getting the refund {$150.00} from Capital one bank as if Capital one bank and Your Mechanic were co-conspiring against me. 

Your Mechanic also wrote to XXXX 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 Your Mechanic were acting in good faith. On the other hand, Your Mechanic sends Capital One Bank lies and false evidence trying to prevent me from receiving my refunds of {$150.00} as Your mechanic installs new front brakes on a warped front rotor. Then Your mechanic sends a fraudulent inspection report ( after I gave Capital one the inspection report requested from XXXX XXXX ). XXXX XXXX inspection clearly explains that Your Mechanic put a warped rotor on my car cause problems. Your Mechanic inspection report does indicate a warped rotor. Your mechanic inspection report was never given to me as I am a customer. Your Mechanic gave Capital one an inspection report after I gave my inspection to Capital one as requested, which is deceptive. That is the 1st time I ever have seen such a report from Your Mechanic through Capital one bank. Your Mechanic inspection report has fraudulent and doesnt have all information about my car which I can prove. 

Then I received a phone call and an email from XXXX President XXXX XXXX where Your Mechanic 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 Your Mechanic stating that their Mechanic evidence was not in error. Capital one bank began to change its policies as the card services XXXX and XXXX keep changing the rules. I was refused to dispute policies 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, Your Mechanic for a refund. As you read the next email from XXXX  President stating from Your Mechanic after they get the refund from Capital one bank, they will return it back to me on XX/XX/2020 it is all a scam. 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 that they will allow scammers to steal from my account without any justification or Capital one change the rules without any notification again. Capital one bank send me letters soliciting 0that I apply for a car loan. 

I have conducted an extra investigation and discovered Capital one is a member of the XXXX XXXX XXXX ( XXXX  ) and Your Mechanic, also. This is a conspiracy. Therefore, Capital one must have already known that Your Mechanic was communicating with XXXX. As you are aware to be a XXXX  member you must pay membership dues. Capital one bank is covering for Your Mechanic scam and for special interest and not for the interest on the behalf of their customers. 
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 Your Mechanic A+ ratings for membership fees. Both Capital one bank and Your Mechanic 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 Your Mechanic reputation to scam a customer for {$150.00}. XXXX  has been investigated regarding their rating system with these businesses too. 

In the email, Your Mechanic is telling XXXX  President that they want to return my funds however telling Capital One Bank not to return my funds. Capital One Bank believes Your Mechanic false evidence and supposes to be advocating for me, my funds, and protecting me from scammers. Instead, Capital One Bank is dishonest and deceitful in their practices, they refuse to disclose their policies. I encourage do not waste your time filing a complaint with XXXX XXXX XXXX   against Capital One Bank please file a complaint with the Department of Justice, Consumer Finance Protection Bureau,  FBI, The Office of Comptroller Currency, and other agencies. 

Capital One Bank policies and their dispute department are fraudulent because they are serving their self-interest, Your Mechanic, XXXX, and it all about Capital one self-interest- XXXX   membership and not about the customers. Capital one bank failed to disclose that Your Mechanic is in the same member organization as Capital one bank is in which demonstrate biases in their decision making. 

I want my money out because I do not trust Capital one bank when they can allow scammers to take customers ' money that way. Protected class customers beware, too. This is corruption at it best and I am going to expose Capital one bank and want every protected class member to know how this bank treats the vulnerable population. I am going to make XXXX business organizations aware of my experiences with Capital One Bank and Your Mechanic on every media outlet about these scams. 

Capital one bank help scam {$150.00} from a member from a protected class and to harass me by sending various emails to get an inspection report. Your mechanic gave Capital one their inspection report and never gave a customer. Capital one bank kept changing rules, refuse to disclose policies, card dispute supervisors gave different rules and angry with each other, failure to disclose conflict of interest with Your Mechanic, and discriminated against me because I am under the protected class. Then help their fellow XXXX XXXX XXXX member such as Your Mechanic scam a customer I want to close all my accounts and move them to another bank, preferably black-owned bank as everyone is promoting as XXXX lives matter. 

Please read the XXXX  President emails to me from Your Mechanic about the return of my money after they get it from Capital one bank. Your Mechanic already knew that they were going to get the funds {$150.00} before the dispute was decided. We need to stop corruption! I am going to file a discrimination suit against Capital one bank. 

CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Office of the Comptroller of the Currency Consumer Financial Protection Bureau Federal Trade Commission Federal  Bureau of Commission Department of Justice

Company response to consumer: Closed with explanation