Consumer complaint received 2026-05-15 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:
XX/XX/XXXXThis is my FOURTH CFPB report against XXXX Card for the SAME MULTIPLE ONGOING CHARGES that I been fighting for YEARS to stop. There are substantial new developments since the third complaint I am reporting.\n\nAfter the first CFPB was closed without resolution; XXXX responded to the CFPB with specific instructions to prevent the three repeating fraudulent charges. A low IQ individual from the Executive Office of XXXX by the name of XXXX provided a letter to the CFPB as well as myself dated XX/XX/XXXX instructing me to contact them at a number provided by XXXX at the Executive Office of XXXX.XXXX contacted them at the number provided, it did not seem legitimate as they did not seem to have any of my information, did not clearly identify themselves and wanted to know if I was XXXX XXXX years old, which I am and confirmed with them. I became suspicious and disconnected the call thinking perhaps I dialed wrong and I called back, same experience, and I continued and they were more concerned with trying to sell me a XXXX XXXX XXXX at a discount, I made an assumption that perhaps it was an exclusive partnership with XXXX, nothing seemed legitimate but I did as the Executive Office of XXXX requested. I also have a record of this with my detailed billing showing the two consecutive calls to the number provided to me by XXXX that show the date, time, number dialed and duration of the two consecutive calls. XXXX filed the second complaint with the CFPB earlier this year when after waiting several months the charges continued to appear. Again, the CFPB closed the complaint and again it was handled by low IQ XXXX at the XXXX Executive Offices. I again followed her instructions and called and the experience was completely different. They knew who I was and I did not have to provide all my information, only verify a few things. They had no record of my dispute (what they claim for years) and I went through everything again and was told a block would be put on to prevent any future charges and I would receive email conformations.XXXXA day or two later I looked at my XXXX Account online and they had approved and applied another charge from XXXX that I had blocked, and I called them again and they said it would take 24-48 hours for me to receive the emails and that despite the charge posting after I filed the block I was responsible as it takes 24-48 hoursXXXXWhen I compared the two letters from low IQ XXXX, I noticed on the XX/XX/XXXX letter, the number she provided me was different from the one she provided on the second CFPB complaint. XXXX from XXXX had me call an incorrect number and provide all my information.XXXXI have the detailed call logs showing the date, time, number dialed and duration of the additional calls. There is a reason I am putting this into the complaint as this caused me an entire new set of problems.XXXXThe third CFPB complaint I filed I explained the above, not in as much detail. That is still open and I have no way of adding the updated situation to it as the company is still requesting additional time and they are unaware, as is the CFPB of the documents I am providing you todayXXXXI never received the emails I was told I would receive; what I did receive were two letters from XXXX sent to my home that I have scanned and attached. The letters address both companies who have been making a total of three consecutive charges to my accounts that I have been fighting for years now.XXXXThe letters attached from XXXX (no name of any agent) say in writing that they will block or decline any charges from those companies for a period of 6-monts. I am NOT happy that XXXX will not block these permanently as I am requesting. Here is where it gets more interesting. The letters were dated XX/XX/XXXX (XXXX XXXX), the third complaint is still open, and then I received an email a few days ago from XXXX that I printed out and attached. The email says that XXXX made an attempt to charge my account, and it goes on to say that despite XXXX not having my credit card information were going to be APPOVED and to update my information with XXXX. So, despite this ongoing years-long effort, despite the letters saying they WILL NOT HONOR ANY CHARGES from them, they send me an email where XXXX attempted a charge and XXXX APPOVED it. XXXXI am currently traveling and outside XXXX, I wanted the CFPB to have this information as when my trip is over and I return to XXXX I will be meeting with one of my attorneysXXXXHow can the Consumer Financial Protection Bureau protect me when it just closes cases and nothing is being done. You are protecting the large corporations; not the consumers. You have in writing multiple emails from back in XXXX where XXXX acknowledged these fraudulent charges and said they would be blocked and never were. In XXXX they provided the CFPB with a letter saying if I called this number and provided additional information they could be blocked, which I did, only they provided the wrong number. On the second complaint they provided the correct number and the same day I received notification I called (several times) and they still charged me for XXXX again AFTER I called and put the block on. They then provided the two written letters (new information to the CFPB) attached in writing saying they would stop charging me, then (again new information to the CFPB) they emailed me saying they are approving the charge to my account despite the fact I did everything I was told to block them, and again they charged me. I recognize the emails, they all say contact the company future charges will be declined and yet XXXX permits them to charge me anyways. I even went as far as having a new card issued with a new number, I received the same emails, and XXXX provided them with my new card information and allowed them to keep charging me.XXXXI have been fighting this for over five years. I know this because I had this problem when I lived on XXXX XXXX in XXXX, I sold that house on XX/XX/XXXX. This is how many years this fraud has been going on.XXXXI would pose the following to the Consumer Financial Protection Bureau. XXXX is engaging in fraudulent practices. By their own written letters, they will only claim that I can only block these charges for six-months, but in truth they never block anything. XXXXXXXX is engaging in fraudulent behavior as it is in their own financial interest to make it impossible for the consumer to prevent reported fraudulent charges. XXXX is financially benefitting from this illegal policy by continuing to allow these charges as XXXX charges a fee to the party making the charge, typically 3% I was told, and by continuing to permit these reported fraudulent charges XXXX is continuing to enrich itself by collecting transaction fees it otherwise would not receive. I was also asked by my attorney if I pay my card in full, I told him no, I make my minimum payments, it was pointed out to me that XXXX is then in addition to collecting their transaction fees, they are charging me interest on all these charges. So XXXX is financially benefitting by permitting the initial charges as well as the ongoing interest they are charging on all these fraudulent charges. This is something that the Consumer Financial Protection Bureau needs to open an official investigation into. This is fraudulent business practices, and while I am only one individual XXXX has the same internal process for all their cardholders and I suspect that XXXX is making perhaps millions of dollars cumulatively and the Consumer Financial Protection Bureau needs to do its job and hold XXXX accountable. XXXX literally provides NO WAY to stop fraudulent charges, they only will claim to block them for six-months, the only card issuer I know who will not permanently block fraudulent charges, but despite their written letter they continue to permit the charges. This is Consume Fraud on a scale of magnitude that financially benefits them on a scale that probably has never been seen before. I can see States Attorney Generals and individuals filing Class Action Lawsuits for recoveryXXXXOn to the original letter that was sent to me with the incorrect phone number to call. Since I called them at the number provided (not once, but twice), I have been inundated with scam calls non-stop shortly after. I believe my information was used by the company XXXX instructed me to call and provided to data brokers or someone because I am receiving a minimum of three calls, voicemails and probably as many texts, PER DAY, often as many as five to seven times a day now since I called that incorrect number that kept trying to sell me XXXX XXXX XXXX that low IQ XXXX from XXXX instructed me to call and provide additional information to. This is also new to the CFPB as this all started after I followed the instructions provided.XXXXI have previously received maybe one or two spam calls a week (if that) prior to this, now I am receiving 3-7 PER DAY. I contacted my phone carrier (XXXX) and they said to report them as spam, which I have been doing, but this is not just Monday through Friday, these are coming in 7-days a week, day and night. I am registered with the do not call list, and it has become so disruptive to me and my every day life that I had to be walked through the process of setting my phone so the only calls that will ring are those who are on my contact list. I have an XXXX. This causes many issues as my XXXX, XXXX XXXX, companies I do business with, they have more than one phone number and if they are not saved in my contact list they will not ring, everything goes to voicemail. Voicemail I still need to clean out and report multiple times throughout the day, 7-days a week. I sent you a screenshot that I took earlier in the day, I have received two additional calls since that screenshot was taken. They are AI bots that are calling me offering me loans for all different amounts ($30K, 46K, etc.) and they are non-stop 3-7 times a day, 7-days a week and every time I block each number they call with new numbers and it is not even people when I answer and demand how they got my information and demand they stop calling it is not a person, but an AI bot and ALL OF THIS happened after I went and called that number XXXX provided me on XX/XX/XXXX. I can prove this as XXXX said I can log into my account (I have to figure out how) but they said I can log in and download all the detailed calls for the past either 12 or 24 months, I forget what she said. The point is I can provide those detailed call logs from my carrier that will show this all started around XX/XX/XXXX after XXXX had me call that incorrect number. I cannot link them definitively; but the timing shows a clear pattern, it started after me calling that number and the preceding months I did not have this problem.XXXXIt may have been an accident I was provided the wrong number to call, but regardless I am dealing with the consequences of XXXX incompetence and there are consequences. I am not an attorney but I compare it to a car accident. They dont call them car on purposes, it may have been an accident they provided me the wrong number to call and instructed me to provide additional information, which I did, that led to the situation I am trying to manage now. They are the responsible party and they need to fix this.XXXXIn closing, I am requesting that the Consumer Financial Protection Bureau open an investigation into XXXX business practices as they are causing financial harm not only to me, but possibly tens of thousands of others by their pattern of not providing consumers any way whatsoever to permanently prevent fraudulent charges, XXXX then collects transaction fees on these fraudulent charges profiting from the fraud, and on top of that XXXX is collecting interest from consumers on the fraudulent charges that consumers are unable to block. I have many other credit cards; XXXX is the only credit card issuer who engages in this behavior. All the others will block charges, may you can do yourself right in their apps. XXXX choses to profit from this fraud.\n\nI am not going to continue filing complaints with the CFPB, I am still waiting for the CFPB to make a decision on the third pending, and this one with the additional information that shows what they are doing.\n\nI know XXXX receives a copy of this; I suggest they take this seriously as I will sue. I understand that many people say that; unfortunately, due to everyone saying it when its legitimate it is not taken seriously. I would encourage you to look me up under the Court records for XXXX XXXX, XXXX and you will see where I hold people accountable and I do NOT file frivolous lawsuits, but I will fight back and not allow individuals or companies to exploit or take advantage of me. I will hold them accountable as documented by my past actions. And XXXX is formidable, it does not intimidate me from holding them accountable. You can also look me up in XXXX where I have unfortunately had to sue in Federal Court as well; that one was picked up by the XXXX XXXX and spread world-wide. XXXXLitigation should be the LAST resort; not the first. I am hoping that the Consumer Financial Protection Bureau and XXXX Card resolve this complaint. If I am unable to achieve resolution here I will seek it in Court. XXXXI want the fraudulent charges refunded, with interest I paid, and future fraudulent charges permanently stopped.XXXXAlso, XXXX needs to resolve the problem I am now having as a result of the error of their Executive Office regarding my overwhelming calls. I have had my phone number for XXXX XXXX, I am not changing it as all my friends, families, collogues, medical, financial, etc. have it and it would be too overwhelming to change. XXXX from XXXX was the cause of this, XXXX can fix it. XXXXIf this cant be worked out it will go to Court. I am done being financially defrauded and spending untold hours filing reports and dealing with my new phone situation. Regardless, the CFPB needs to open an investigation into the fraudulent / deceptive practices of XXXX making it impossible to block fraudulent charges and profiting from doing so. Two words Class Action.'

Company response to consumer: Closed with explanation