Consumer complaint received 2022-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Ive lived most my life without any credit cards or lines of credit of any kind. Recently my mother convinced me to apply for a basic credit card for the sole purpose of having it for emergencies and nothing else. I put it in my purse and for the most part I forgot about it, Until I was applying for a very prestigious job that involved the company requesting my credit report in the screening process. I didn't get the job and when I asked why they said it was because my credit score was under XXXX! I knew something was wrong as when I checked my credit score after getting the credit card I had a score just under XXXX. 

I got an updated credit score and found out that my score had dropped XXXX points in a day because of one thing, my credit card showed it was at 130 % its credit limit and was 2 months past due without a payment!!! I freaked out and went to my capital one site and sure enough there were a ton of charges that maxed out the card and even went beyond the credit limit!! I instantly contacted capital one and told them my card had a bunch of charges on it and that I had never even used the card once and all these charges were not made by me. 

Somehow I must have dropped the card or maybe left it somewhere on accident, because it was missing from my purse. They acted like everything would be taken care of, that I wasn't liable for fraudulent charges and not to worry. I was relieved and waited to hear back from them. A VERY short time later I received an e-mail stating that they had completed an investigation and determined that I had " financially benefited from the charges in question '' Which is rather absurd considering I had never used the stupid thing! The day I got it was the only time I touched it! 

So now my credit is ruined because my payment history is at 0 %, my available credit is at -30 %, and it goes on and on... I cant believe this company has the balls to tell me after a FEW HOURS that they had completed an investigation and determined I somehow benefited from this fraud! What could you possibly have investigated in a matter of hours? No its pretty clear that the only investigation that was done was in reality none at all. 

These claims are completely and utterly baseless and without merit. I never benefited from the charges I never used the stupid card in the first place! So now over some {$300.00} in charges my credit is completely ruined and I will suffer for years to come because some XXXX XXXXXXXX mouth breather with a double digit IQ was allowed to decide the fate of my financial future. 

I dont care what it costs me, I dont care how much time I have to spend. I will fight capital one tooth and nail until they give me a written apology and compensate me for all the time Ive wasted on this XXXX fraud, IM THE VICTIM!! NOT THE CRIMINAL! I cant believe this is how I get treated when Im the victim! I will call every local news channels investigative reporter and tell them to do a story on this gross perversion of " justice ''. 

I vow to never rest until this is made right and I'm compensated financially for my time and energy as well as being given an apology by capital one because they decided it was ok to treat a victim as the criminal in the name of greed.

Company response to consumer: Closed with non-monetary relief