Consumer complaint received 2017-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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: Card was charged for something you did not purchase with the card

Complaint:
To Whom It May Concern : I am writing this complaint concerning a dispute for a charge from XXXX XXXX in the amount of {$1500.00} USD. It all started while in XXXX, XXXX when my wife went into quick XXXX in a hotel room. While on XXXX to several doctors in Florida, she, with my help, ended up delivering a healthy baby boy in a matter of minutes on a bed in the room. For obvious reasons, we traveled to the hospital to have everyone checked out to confirm all was well even though the obvious hard work and climax was already over. I was told to give a credit card at the beginning, which I did, as a way for them to secure the funds for the doctors services unless we did n't pay by other means. We were at the hospital for a total of about 6 hours after seeing 3 different doctors before we were released to go home. To be released each doctor came in one at a time to retrieve their fees in XXXX cash for the services rendered and we were told they were the total fees. The XXXX who took care of my wife came in to collect {$1000.00}, the XXXX who checked out the baby came in to collect {$300.00}, and the XXXX who did my sons circumcision came in to collect {$200.00}. They told me that we must pay them cashI asked him why and he said that the credit card charges a fee to them and it would be easier and be cheaper for all involved. Even though we already had the baby delivered, the {$1500.00} from the originally agreed {$2200.00} was rather high seeing how we did n't get all that we had agreed to, I liked the thought my wife and child was taken care of and it was cheaper. We had confirmed all was well with the liaison ( XXXX XXXX ) at the hospital. She ( XXXX XXXX ) initially told us NOT to pay the doctors and then told us to go ahead and do so, so I agreed. She was the one that originally told us to have a baby in the hospital, it would be only {$2200.00} with everything from a one night stay, prenatal care, maternity course, to an XXXX ( as seen in attachments ). I gave each of them the money that was agreed upon and even filmed the transaction in case there were any problems. I also made sure each of them also gave me a receipt. The doctors stated when I had paid them that they " rent '' from the hospital and that by paying them we are their " patients '' and not the hospital 's. They then told us we were free to go and they left. We made our way downstairs to exit the building. Someone showed up at the elevators and then directed us to the desk where I had given my credit card in the beginning as security for the charges. I do not speak XXXX very well, but told them we had already paid and they argued for a bit and produced a receipt for me to sign with a total of {$1500.00} and was told the {$10.00} above the charge of {$1500.00} was due to the currency exchange rate. I scoffed at them and attempted to leave due to already paying and explaining this numerous times. They hurriedly closed the gates upon us trying to exit and drew guns on my wife, my toddler, my 8-hour old son, and myself and forced us to go back in. Upon going in, the " mercenaries '' stood on each side of me and I was told to sign the document allowing them to charge my credit card. I signed the word no and then walked out. They then came back out and forced me back in to sign it again due to understanding the universal word of no. One of the mercenaries then forced my hand to the receipt and I scribbled the word Duress under his pressure to which they didnt understand and finally accepted. I had absolutely no choice physically and mentally with preserving the safety of my family. It was then we were able to leave. I immediately called Capital One and told them what had happened and the nice lady repeatedly told me not to worry about it at all and that it has not gone through and wont because she put some sort of block on it. She said we did the right thing and they would not get away with it. I rest assured as she told me to do, only to still be charged. The money for the services was paid with cash and I was extorted in every sense of the word regarding the credit card charge. I reached out as soon as possible to Capital One and was assured that all would be fine and no charge would be allowed through. I called XXXX at around XXXX for a duration of 20 minutes according to my phone bill if that conversation can be technologically recalled so as to confirm my assertions. Obviously, this is not a matter of whether or not I can pay my bill because via my history, I have never been late. I even paid the amount on my credit card for the illicit charge until the temporally credit went through and then was given a credit for the money. I tried to get this resolved in an amicable way with the other party with Capital One overseeing the phone call whereas they even condescendingly laughed at the fact they physically forced me to sign and that I am still liable for the charge. Capital One still said they needed it in writing from them which is absurd. What they in XXXX was horribly wrong and uncalled for and was obviously for illicit monetary gain, but what Capital One is doing is essentially turning their nose up at a customer and allowing this illegal act to go on with no consequence. Thank you for your time and attention in this stressful matter, and please dont hesitate to reach out if there are any other questions or concerns. We do not have the monetary ability to allow this money to be taken from us.

Company response to consumer: Closed with explanation