Consumer complaint received 2018-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Sir/ Madam, I have written countless complaints against XXXX XXXX XXXX XXXX and again I am writing to report what I feel are criminal activities on their part. They are using the current regulations to steal money from their customers. ( I have been a customer of Capital One for over 10 years! They have my credit and good account history from multiple accounts, which were always kept in good standing. ) It was several months ago that they completely infuriated me because of their inept and irresponsible customer service personnel : 1. They gave out INCORRECT INFORMATION regarding the two accounts I had open 2. They kept me on hold for over 3 hours 3. They refused to get managers on the phone 4. They continually transferred you around and back to customer service line to be on hold for over 30 minutes at a time 5. They disconnected me when I asked for their managers 6. When I lost my temper due to their lack of competence and repeated useless transfers, they decided to act paranoid and as a further act of retaliation they placed my accounts in fraud status so they could freeze any activity 7. Their repeated acts of sheer ignorance and lack of accountability for a problem they created are uncanny After dealing with such corrupt individuals I closed both of my accounts and immediately asked for a payoff on the account that had a balance. They proceeded to give me, true to form, the wrong amount due. So now, they are refusing to give me back the overpayment of my money because of their lack of integrity and ability to hide behind so called fraud regulations.

1. They received and acknowledged multiple copies of my license 2. I spoke with their personnel who not only verified receipt of my license but the ability to read it 3. Capital Once continued to harass me for additional copies and then started asking for more personal and invasive information such as my social security card, clearly  opening the door to identity theft. 
4. Countless phone calls result in only hearing their useless attempts to push their rhetoric on me, cause pain and inflict harm, and take my money When I called to close my account I was told you can not have the rewards due on your card because it is in a state of fraud When I spoke to someone this past Friday in that very department, she told me it was not because of that, but in fact it was because I closed my account. So they continue to twist the facts, lie and steal, and hide behind their complete and total disregard for human rights and safety. They apparently love to incite sheer anger and frustration as they sit back and enjoy what they can do to another person. 

Finally, if I am such a fraud then why did they have NO problem taking money FROM me in full payment of my account, which was over {$1000.00}! 

I have submitted this exact complaint to the OCC, the Washington State Office of the Attorney General, the State of California Department of Justice and a copy to XXXX XXXX, Chairman and CEO of Capital One. 

It is an American travesty when hundreds of complaints can be seen online regarding Capital One and nothing is done about it. We have a right to be protected form the doors that you have now opened for this kind of thievery! Many other people are also unsatisfied due to the same reason. 

My story will be posted on social media and given to the press.

Company response to consumer: Closed with explanation