Consumer complaint received 2020-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a Capital One card that had been handled as agreed. I am XXXX  XXXX due to multiple extreme XXXX XXXX sustained in an accident with drunk driver. A few months back there was a reoccurrence of the XXXX XXXX I was desperate for XXXX help. I acknowledge I gave friend access to banking credit card this was a mistake made while I was totally unable to reason as it is the most XXXX XXXX on Earth. Person try to make payment on credit card to help me. Because not thinking are able to she made payments using my online banking without my knowledge she made additional payments of large amounts on my card. I am a 30-year XXXX XXXX XXXX and understand protocol however the injuries have taken me. I have reached out to Capital One at least 15 times to try and get assistance and work through this issue which has turned a well handled credit card with a balance of {$7000.00} 1 with XXXX. It was a scam situation I had no knowledge woman had made the payments on my card. I am now 23 years into the injuries and medications totally impaired logic at that time. Capital One has provided no assistance information or form of help that is created a payment so far beyond my ability I'm a face bankruptcy. They have refused to make any concession given my incompetence but any of my multiple world-class doctors would provide. I am not trying to escape anything however they will not even tell me what has occurred in the account I can't afford a lawyer Capital One has mishandled numerous situations and this dispute. The funds given to me that did not prove valid XXXX  XXXX XXXX. During this. I have been hacked also the other banks have all offered solution to allow me to live through this Capital One has been the worst organization as far as no allowance somebody complete XXXX. I also called Capital One multiple times prior to using the card after the payments had been made to verify it was valid that was the extent of my skill set at the time. At that point two different Capital One agents to use the card the very next day I received a notification of problems. What is sad is that I am told if I sign up with one of these Credit Repair Services, they immediatly get a {$7000.00} card deduction of balance because of volume. that is pathetic given they won't help me with a XXXX reduction and I have explained to them the medical conditions to in detail that I am battling. I have never in my career which is extensive had treatment as Capital One they will tell me nothing. I have since had treatment and I trust you can see the stability of my communication. Why does it not matter they told me it was fine to use the card on two different occasions. Why will they give me no information unless it is from police or FBI who will not provide any help. The stress caused by this situation is pushing me to the brink tab survival. I am an honest man, admit making mistake while out mind in XXXX, but make no consideration. I apologize that this is probably in terrible format and all information is not included I can not see most of the time because the injuries impact my site. If this can not be corrected with some longitude a fair interest rate rather than the 24 or higher percent they have no consideration 4 an honest person  getting XXXX. They send me bills but they won't even tell me the balance. All my career in the best XXXX  XXXX   in the country I have never experienced one so wonderful in good and  XXXX you in a problem. I actually XXXX XXXX XXXX XXXX prior to collapse so have seen it all I've never seen an institution as blatantly cold 2 human situations as Capital One

Company response to consumer: Closed with explanation