Consumer complaint received 2022-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Throughout the month of XXXX, XXXX, my pleas for redress were met with repeated injury. Nearly every time I contacted Customer Disservice, Capital One 's personnel found some way to abuse me, and treat me like the abuser, while the consequences of their behavior put me in potential danger with all the yelling it caused me ; those same offenders would act as though I yelled on my own volition, as if their misconduct was not and could not be the reason for it. Capital One did not help with my financial hardship until XX/XX/XXXX ; a nullification of that month 's fee preceded my enrollment in Capital One 's Specialty Assistance Program on XX/XX/XXXX. 

The last few calls I could muster the following month included feedback concerning the invalidity of charges threatened to me automatically as part of what might as well be a flaw in Capital One 's systems, for which I asked my feedback to be sent to Corporate, given the inherent hazard to consumers protected from such fees. As a consequence of Capital One 's breaches of contracts and mockery of its claims to social responsibility ( i.e., its commitment to accessibility, while abusing whose who need Capital One to take it more seriously than mere compliance with the ADA, while people treat the ADA as an excuse to violate the human rights of people with mental disabilities impairing otherwise normal thinking ), I somehow managed to fall six payments behind, while I have been more-or-less only been paying the interest a given statementperiod states it requires me to. Capital One does not understand financial hardship, such that I can anticipate them responding with lies and deception to the contrary. 

I learned the hard way Capital One loves to bully consumers, and call this behavior respectful and professional, just to treat accusers as abusers. Its personnel 's misconduct became a regular occurrence after I enrolled in the Specialty Assistance Program, of which offending Capital One personnel obstructed my discovery, and delayed my enrollment. Since then, the Specialty Assistance Program has failed to protect me from fees Capital One called interest in a XX/XX/XXXX discussion with someone named XXXX, while nominal amounts of interest ( i.e., {$7.00} ) have been all I am required to pay ( according to my statements, which are my only frame of reference for what I owe as a XXXX person suffering harm as a cause and as an effect of misconduct generally ). XXXXXXXX XXXX defense of the fraudulent " interest, '' with which Capital One loves to jeopardizes disadvantaged consumers ' accounts. XXXXXXXX XXXX defense included was unusually flightly, and was typically nonresponsive to my grievances ; XXXX was willing to make me goto the hospital, just to violate to communicate on my ( accessible ) terms, while such intentional and/or negligent inflictions of emotional distress made me vulnerable to such a threatened emergency in the firstplace, and to defense the indefensible. Even an offer to only pay {$25.00} for a fraudulent amount smaller than that amount is at present reflects the fees I am supposed to be protected from, and which XXXX admitted as such, while the " interest '' excuse was made in an attempt to legitimize the fraud. 

The preceding was the least Capital One does to avoid responsibility for its misconduct ; I already knew that Capital One abuses consumers regularly, just like any other big business unaware of, or disrespectful toward, its best interests. Given XXXXXXXX XXXX unwillingness to let me contact her supervisor in an accessible manner with prejudice to Capital One 's false claim that it " is committed to providing accessible products and services, '' Capital One deprived me of the right to communicate in an accessible manner. Following an XX/XX/XXXX ( Institutional ) XXXX  ( Deny, Attack, Reverse Victim/Offender ) letter falsely portraying ( anyone in Capital One 's ) misconduct as respectful and professional, and my near-lifetime of standing up to bullies as " abusive language '' to anyone but bullies too busy abusing and getting what they give for it for any reasonable person to care, I have since discovered that I am no longer able to access Capital One 's online chat system ; their chatbot, Eno, somehow corroborates this by responding as though to accuse a XXXX person stealing lawfully-owned property, just because that same person is in the exercise of constitutional rights that even Capital One can not touch. Capital One invented this impairment in my ability to communicate with them, as their attempts to violate my right to accessible communication renders their attempted calls as spam.

Company response to consumer: Closed with explanation