Consumer complaint received 2017-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Complaint:
In law, coercion and duress refers to a situation where an individual performs an act as a result of threat, violence, or other pressure against the individual. Duress is the pressure which is exerted upon an individual in order to coerce that individual to perform the act that would not be normally performed. 
Coercion and Duress negates the individuals consent to an act, such as entering a contract. On XX/XX/XXXX I was going in many directions with the movers loading the truck for my move to XXXX, Fl. XXXX XXXX XXXX XXXX XXXX waited until the movers were busy and asking me questions, etc. to call me and demand I allow them to put two {$400.00} charges on my Capital One credit card ( they were specific it had to be the Capital One card ) or XXXX XXXX XXXX XXXX XXXX would keep my possessions in a storage unit I rented from them and had ZERO ACCESS until I agreed to have the charges put on my Capital One card. I was under duress and with the threat of keeping my possessions hostage -- a threat which qualifies as coercion, I reluctantly told them they could charge my card. I knew the law would protect me and I could put the charges in dispute and Capital One would have to require XXXX XXXX XXXX XXXX XXXX to PROVE I rented two storage units for {$200.00} a month on XX/XX/XXXX and that I paid XXXX XXXX XXXX XXXX XXXX {$400.00} for the first month 's rent on XX/XX/XXXX. I never rented any storage units for {$200.00} a month from XXXX XXXX XXXX XXXX XXXX or any one else and I never paid {$400.00} to Two XXXX XXXX XXXX XXXX on XX/XX/XXXX. Therefore, according to the LAW, I DO NOT OWE THE TWO {$400.00} CHARGES I WAS COERCED TO ALLOW CHARGED TO MY CAPITAL ONE CARD ON XX/XX/XXXX. Capital One is required to obey federal law. I have provided Capital One with indisputable proof that I paid XXXX XXXX XXXX XXXX XXXX {$300.00} for two months rent for a small storage unit on XX/XX/XXXX and on XX/XX/XXXX the estimate for the move from my home in XXXX to XXXX on XX/XX/XXXX & XX/XX/XXXX has only one storage fee listed for {$150.00} -- the third month for rent on the storage unit. There is NO OTHER STORAGE FEES LISTED ON THE ESTIMATE FOR THE MOVE EMAILED TO ME ON XX/XX/XXXX. The law requires XXXX XXXX XXXX XXXX XXXX to provide proof I rented two storage units on XX/XX/XXXX for {$200.00} a month and I paid the first month 's rent of {$400.00} for the two storage units on XX/XX/XXXX. A contract had to be signed without duress or coercion to be valid. I never signed any contract, etc. and I never paid XXXX XXXX XXXX XXXX XXXX {$400.00} on XX/XX/XXXX. THERE ARE NO CREDIT CARD CHARGES, CHECKS, OR RECEIPT BY ME FOR {$400.00} TO XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX. Capital One is required by law to remove the charges from my credit card permanently because the charges were placed on my card while I was under duress and I was coerced by XXXX XXXX XXXX XXXX XXXX -- the act of agreeing to have the charges put on my car are negated by federal law.

Company response to consumer: Closed with explanation