Consumer complaint received 2021-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have been a part of the Capital One family and a loyal customer for years with a pristine payment history and current credit score of XXXX as of XX/XX/2021. 

I have been working with both the disputes department as well as the fraud department to resolve this issue. I was told to write this letter to the fraud department for tier XXXX escalation as I have not been able to escalate further over the phone. 

While traveling abroad with my wife on our honeymoon in XXXX, a fraudulent charge was billed to my credit card from the vendor XXXX XXXX on XXXX in the amount of {$4700.00} ( XXXX XXXX ). Immediately upon proactively checking my account online and seeing the fraudulent transaction on https : //myaccounts.capitalone.com/accountSummary, I did the following : 1. Contacted the Capital One Fraud Department by telephone to provide notification of the fraud 2. Canceled my credit card 3. Filed a police report with XXXX Police Department once returning to XXXX from the XXXX of XXXX. 

I have never been to or heard of a store by the name of XXXX XXXX I did not make a purchase for {$4700.00} at any time overseas nor did I make any purchase that even comes close to this large amount. 
I have spent hours investigating the fraudulent charge based on the receipt Capital One obtained from XXXXXXXX XXXX  and found the following information 1. The vendor XXXX XXXX, a supposed grocery store, does not exist. There is no record of this store anywhere online. The address on the receipt is invalid. 
2. The phone number on the receipt is not active. I can not contact the fraudulent vendor as they do not exist. 
3. The signature on the receipt is fraudulent ( depicted below ) i.e. is not my signature that I have applied to thousands of transactions while using my Capital One card. This should be easily confirmed by Capital One. 
4. No itemized receipt for this transaction has been produced by XXXX XXXX ( again they dont exist ), Capital One, or XXXX Bank . 
5. The amount charged ( XXXX XXXX ) is a round number also indicating suspicious activity. 
6. The amount charged to a supposed grocery store ( which does not exist ) is absurdly large not indicative of a grocery purchase. 
7. This purchase is in no way in line with my spending patterns nor the rest of the purchases I made while abroad. I am extremely disappointed that Capital One allowed such a huge purchase from overseas to be charged without any flags or warnings provided to the card holder. 

There is a preponderance of evidence, most damning being the fraudulent signature and the vendor that doesnt exist, indicating that I have been defrauded. I fully expect the Capital One Fraud Department to take this matter seriously and rectify the situation. 
For further clarification : XXXX. XXXX XXXX does not exist 2. I did not make a purchase from XXXX XXXX 3. I did not provide signature authority for the charge of {$4700.00} 4. I did not receive goods or services from XXXX XXXX I have repeatedly tried to resolve this issue with capital one and they are attempting to hold me liable for the charge. I have 2 police reports and a receipt with a fraudulent signature. My XXXX, Arizona police report case number is : XXXX.

Company response to consumer: Closed with explanation