[ the merchant who i complained (Cliff's auto,

Madras Oregon) about & who cap1 refused to block

the payment is NOW "permanently closed" . and cap1
protected them over me, after they overcharged me
$200]

wow, i wrote a review a few weeks ago and NOW

IT'S GONE ! UN-bee-liev-able. I've been a faithful
reliable CapitalOne customer for MANY
YEARS..always paying about $500 monthly to keep
my balance low or zero.. sometimes more..so they
make a nice fee off me every month.., and the ONE
TIME i have a dispute with a merchant I tried to use
the "dispute" process that Cap1 offers to its
customers, and basically I DISCOVERED that it is a
"kangaroo court" that favors the merchant over the
customer, maybe 100% of the time. The first
'decision" the lady on the phone at Cap1 (who
wouldn't provide her name) said that since I
"signed" the receipt, there's nothing they can do.

This was AFTER I had submitted 20 pages of written

material supporting my dispute against Cliff's car

1
repair shop in Madras Oregon (where I was traveling
thru & broke down with a bad water pump, average
cost to repair is $300-400. He offered to do it for
$429 but when I returned at the end of the day
demanded $639, only saying it took "so much time").
I figured Cap1 would back me up on this "highway
robbery" but NO. Since I signed the receipt, THAT'S
IT !

SO I appealed to the CPFB Consumer Financial

Protection Bureau, AND that caused Cap1 to re-
REVIEW my dispute. This time I was contacted by
Felicia at Cap 1 (no last name provided) , and I re-
explained the issue, and she sounded compassionate
and said that since "everybody signs a receipt" to
make a transaction, the first decision was
problematic. SO I WAS HOPEFUL ! Maybe higher
minds at Cap1 are more reasonable . She said it
would take some time and then she would contact
me with a new decision.

Next thing I got was a voicemail saying she sent me

a letter but was going to be out of the office for a

2
week or so, ..I NEVER received a letter..finally called
back and got thru, and she said since the "original
price is not guaranteed" they couldn't change the
decision.

Actually the ORIGINAL PRICE at an auto repair shop

is supposed to be guaranteed UNLESS the shop
contacts the customer and asks for APPROVAL to
increase the price due to discovering more problems
, needing more parts, etc. CLIFF's auto never
contacted me during the day and provided NO
EVIDENCE at the end of the day that there was any
significant change in the parts or labor.

So I asked Felicia if they could provide me with

statistics about how often Cap1 finds a dispute in
favor of the customer rather than the merchant. She
responded that this is "confidential". IT was about
this time that I was beginning to realize that she was
basically "rubberstamping" the original decision.
Their "dispute" process seems to be a sham or a
facade to sort of "go thru the motions" of appearing
to be consumer advocates for their Cap1 customers.

3
Let's face it, they are in the MONEY BUSINESS, not
the compassion or fairness business. Their job is to
get MONEY out of our pockets into theirs. the ONLY
HOPE for people with mindsets like this is the FEAR
OF GOD..the only way to have a "just society" is
when people believe they will be JUDGED BY GOD by
the same standard they treat others. Our ONLY
HOPE is to keep preaching the FEAR OF GOD. Wake
up people: this life is meaningless if it ends in
eternal misery at the end . GOD WANTS us to treat
one another with care, kindness, love, and fairness.
HE will judge you and i accordingly, likewise. R U
READY ?

Above: photo of Cliff’s auto in Madras Oregon, where

I was overcharged $200 , which is now “permanently
closed” according to google maps.