Product: Debt collection

On XX/XX/XXXX, I discovered Capital One had damaged my credit scores. According to XXXX, I went from having Exceptional scores of XXXX to now XXXX score that relates to Capital One fraudulent activities which I thought was resolved when proof was given to their attorneys back in XXXX. Capital Once indicated a charge-back on my credit report. 

On XX/XX/XXXX, Capital One allowed someone to post large payments on my credit card account. My documentation shows I had repeatedly called Capital One and asked them to return the money because it didn't belong to me. Prior to the large posted payments, my balance was less than {$500.00} with a $ XXXX credit line. And their system would not allow my monthly payments to be posted because the credit was too large on my account. 

Each time I called Capital One to refund the sender money, they said the way it was posted on my account, it could not be refunded ( Very strange ). 

So much transactions have happened from XXXX to XXXX I will condense it to highlight the key problems. It was quite obvious that something strange was going on between Capital One internal staff members, fraud connected to my account, and me having to pay the consequences of everything. 

I had gotten XXXX XXXX XXXX ( XXXX  ) involved to discovered the attorney who kept harassing me to pay those large payments posted on my account, that Capital One staff members stated they could not resend or refund or credit the sender 's account. And since Capital One NEVER viewed large posted payments on my account being unusual -- although I kept calling them repeatedly to inform them those payments were not paid by me, they didn't do anything to resolve the issue. 

Only to discover, in a letter from XXXX, they stated I was a victim of fraud. Yet Capital One staff members still refused to view it as fraud and investigate the matter. 

At that time, I had contacted all the credit bureaus disputing the balance, XXXX  and desperately seeking assistance for someone to investigate this fraud. Unfortunately, it fell on death ear with all third parties, which was quite strange. But I later discovered the reason. 

Then I reviewed all my old billing statements and made comparison from the recent billing statements I requested from Capital One for a year of XXXX, only to discover Capital One internal staff members had manipulated my transaction dates, in which I have proof from XXXX of the large payments of {$2900.00}. To make it appear, when the {$2900.00} fraudulent payment was posted on my account back in XX/XX/XXXX, they reversed it the same day. 

But in reality, they didn't reverse it until XX/XX/XXXX, AFTER {$2900.00} has gone to the fraudulent " Attorney XXXX XXXX XXXX '' since Capital One refused to resend the payment back to the sender and " Attorney XXXX '' kept harassing me every day about the large payments posted on my account and I was going to be sued if not returned. 

After paying the {$2900.00} credit on my account to the " attorney '', I received a letter from XXXX informing me Attorney XXXX had passed away on XX/XX/XXXX and I was a victim of fraud. Then Capital One CHARGED MY ACCOUNT for {$2900.00}. 

To my knowledge, it is illegal to alter transaction dates on a legal documentation. 

I informed Capital One, I have no issues with paying my bills. My credit history could vouch for that. Each time I made a payment to Capital One it was applied towards the excessive interest rates from the fraudulent payment now an adjustment by Capital One of {$2900.00}. Because of Capital One members ' negligence with fraud, internal cover-up, refusing to investigate and report this matter to the appropriate authorities, which seems extremely strange, they wanted me to pay {$2900.00}, in which I had never received any products or services. 

This ordeal has caused me so much grief and stress in my life. I couldn't secure employment paying me the hourly rate for my profession because it is determined by my credit report. Now my credit scores have changed from exceptional to fair. I have not ever had an issues with any other creditors. My balances are either paid on time or paid off in advance. That speaks volume of my character as being responsible. 

As much documentation I can upload, I will prove fraudulent payments posted on my account, letters written to their attorneys providing details of deceptive business practices, and Capital One staff refusal to investigate this matter. Even to this today, they will claim not fraud has happened. Yet, XXXX views it differently. 

If Capital One thought I truly owed {$2900.00} why did they reverse the charge AFTER the funds were given to supposedly " Attorney XXXX XXXX XXXX ''? Why did they alter the adjustment transaction dates of when the {$2900.00} was posted? And why this matter wasn't investigated nor reported to the authorities, especially after being informed by XXXX  I was a victim of fraud? 

The above information was never revealed during the time I had placed a dispute with all three credit bureaus and XXXX. But it will now, since I just discovered these issues have been resurrected via my credit report.