Product: Credit card or prepaid card

My Complain is against Capital One Bank.The Complain is about $ XXXXthat was wrongly charged to my account in XXXX of 2019 and forced my account to be on a negative balance, because of this, my minimum pay went up, leading to more interest being charge to me. 

It all happened after Capital One Bank Approved a Transaction ( that was later believed to be fraudulent ) from Another Bank called XXXX XXXX, by ... ... 

- first, putting the Transaction on hold after suspecting fraud, Second, verifying that the account holder of XXXX XXXX XXXX  authorized this transaction by linking XXXX XXXX XXXX agent on a three-way call with me, ( it should be noted that I told them in the recorded phone call that this account doesn't belongs to me. ) Third, Releasing the hold on the payment after XXXX XXXX confirmed with their bank account holder ( s ) that they recognized the transaction .... 

Fourth, the Transaction was cleared and posted a few days later. 

- Fifth, weeks later, the transferred funds that were no longer in my capital one account were being charged to my account after it was believed that the holder of XXXX XXXX account declined the transaction. 

Sixth, Capital one bank over-boarded my credit limit to the amount of the transaction ( payment from XXXX XXXX account to my credit account ) and putting my credit card on a negative balance. 

since then, they have charged me high interest rates due to this negative balance even as I struggled to keep up with the payments. 
Its been almost one year since then. It has now come to a point where I'm unable to keep up with the payments which is taking a huge toll on my finances as a low income person. 

it should be noted that, I spent tens of hours on the phone with capital one bank agents who asked me to do a police report and to put together evidence to proof that this bank fraud was done by the holder of the XXXX XXXX account, and fax it to XXXX XXXX Which I did.They told me only an administrator in a high position can see into my case ... and that such a person can't talk on the phone. 

Equally went to a XXXX XXXX branch office to make a complain of what happened as I was advised by capital one agent who told me their bank doesn't have control over XXXX XXXX .... neither do they have control over the XXXX XXXX account. 

I then reported to the XXXX XXXX XXXX  Branch Manager at XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX.The Manager told me I should rather go back to Capital one bank who is the right entity to duel over that matter and that because I'm not the account holder, they can not disclose any information to me.His Tel :  XXXX Fax : XXXX And his email : XXXX I have documents from the supposed account holder of XXXX XXXX who was acting under the portfolio of my manager in a new hire job, Company name XXXX XXXX XXXX based in New York and I was supposed to be working in the XXXX XXXX.As the hiring letter here attached With email instructions elaborating on the XXXX XXXX account number, routing number, telephone number and voice records as she instructed and authorized the payment of funds into my credit account in what later was believed to be fraud.I equally have phone records with capital one agent on a 3 way call with XXXX XXXX when I made it clear that this account doesn't belongs to me .... so they should make sure the account holder is the right person authorizing the transaction. 
Other documents include : A letter of Explanation to whom it might concern, explaining what happened and the measures I took to address the problem, A police report detailing what happened between me and the company that offered me employment XXXX XXXX XXXX XXXX as a member of their XXXX XXXX.Documents involving the XXXX XXXX XXXX XXXX XXXX from the funds paid into my credit account are also attached here. 

Some of the people/entities involved in this case are, -Capital one bank, -XXXX  XXXX XXXX  , XXXXXXXX XXXX XXXX   XXXX , -Mr manager of XXXX XXXX XXXX branch XXXX XXXXDetective XXXX XXXX # XXXX XXXX a supposed be manager of XXXX XXXX XXXX who carefully instructed and authorized the transaction. 

At some point I think the account holder from XXXX XXXX XXXX  might be working with an in-house agent to authorize and later decline Transactions, if they truly claim the person who authorized the payment was not the legitimate holder of the account ...