Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a victim of an ongoing violent extortion scheme. I was forced to make purchases on my XXXX credit card under duress, under threat of physical harm, and without my genuine consent. Discover Bank has denied my fraud claim despite my providing a police report and FTC XXXX Theft Report. CRIMINAL BACKGROUND : I have been held at gunpoint twice and threatened with a hitman. The extortion scheme has stolen over {$5.00} XXXX from me. I have filed a police report with the XXXX XXXX Police Department ( Case # : XXXX ) and an FTC XXXX XXXX Report ( Report # : XXXX ). UNAUTHORIZED TRANSACTIONS ( all made under duress ) : Coerced Credit Card Purchases : I was forced to make credit card purchases under duress, including : - XX/XX/year> XXXX XXXX Tires - XX/XX/year> XXXX XXXX Jewelry Gold necklace - Additional coerced purchases throughout XXXX XXXX BANK 'S RESPONSE : Discover Bank denied my fraud claim despite my providing : - A formal police report ( Case # : XXXX ) - An FTC Identity Theft Report ( Report # : XXXX ) - A detailed written dispute letter - Documentation of the extortion scheme including gunpoint threats XXXX Bank XXXX XXXX reverse these coerced transactions. XXXX claims the transactions were " authorized '' because I used my card. However, authorization obtained through force, threats, and intimidation is not valid consent under the law. LEGAL VIOLATIONS : XXXX. Fair Credit Billing Act ( XXXX ) Violation : Under the XXXX ( XXXX XXXX. XXXX ), I have the right to dispute unauthorized credit card charges in writing. XXXX must acknowledge receipt of my dispute within 30 days and resolve the dispute within XXXX billing cycles ( not to exceed 90 days ). XXXX has failed to properly investigate and reverse the coerced purchases. XXXX. Unfair and Deceptive Practices : XXXX 's denial of my fraud claim despite clear evidence of criminal extortion constitutes an unfair and deceptive practice in violation of consumer protection laws. XXXX. Violation of XXXX XXXX XXXX : XXXX advertises {$0.00} XXXX XXXX for unauthorized transactions. My transactions were made under duress and are therefore unauthorized. XXXX has violated its own policy. XXXX. Failure to Provide XXXX XXXX : Under the FCBA, while investigating a billing error dispute, the card issuer can not take adverse action against the consumer, including reporting late payments to credit bureaus or attempting to collect the disputed amount. XXXX has continued to demand payment. XXXX. XXXX 's History of CFPB XXXX : The CFPB has previously ordered XXXX to pay approximately {$200.00} XXXX in restitution to more than XXXX XXXX consumers for deceptive marketing and billing practices. This history demonstrates that XXXX has engaged in systemic violations of consumer protection laws. PRIOR RESOLUTION ATTEMPTS : I have attempted to resolve this matter directly with XXXX multiple times : - I called XXXX 's fraud specialists at XXXX - I called XXXX customer service at XXXX - XXXX submitted written dispute letters- I provided my police report and FTC Identity Theft Report - XXXX denied my claim and refused to reverse the coerced transactions RELIEF REQUESTED : XXXX. Full investigation of all coerced transactions on my XXXX credit card. XXXX. Reversal of all unauthorized transactions, including : - XX/XX/year> XXXX XXXX Tires - XX/XX/year> XXXX Villas Jewelry Gold necklace - All other coerced purchases XXXX. XXXX credit as required under the FCBA during the investigation period. XXXX. Removal of all associated fees, interest, and finance charges. XXXX. Correction of any negative credit reporting resulting from these fraudulent charges. XXXX. Written confirmation of resolution. I have attached my police report ( Case # : XXXX ) and FTC XXXX Theft Report ( Report # : XXXX ) as evidence. I declare under penalty of perjury that the foregoing is true and correct. " " Section XXXX : Desired XXXX XXXX or write : Desired resolution : " Investigation of my fraud claim, reversal of all coerced credit card transactions, temporary credit under the XXXX, removal of all fees and interest, correction of credit reporting, and written confirmation. '' Section XXXX : Attachments Attach the following documents ( if available ) : Document Attached? Police report ( Case # : XXXX ) FTC Identity Theft Report ( Report # : XXXX )

Company response to consumer: Closed with explanation