Consumer complaint received 2022-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Good Day, On XX/XX/2022 I logged into my Capital One Checking account, to reveal multiple transaction had taken place, without my authorization. I called Capital One and highlighted the fact that the charges were fraudulent and I would like help with disputing. I explained to the Capital One agent that it seems a purchase I made online had become compromised, as a similar issue was happening with another bank account of mine. The other bank did their investigation and found the purchases to be fraudulent as I had discussed. 
Capital One told me I would have to call back on Monday XX/XX/XXXX and possibly on the XXXX as well, to file disputes against the charges once they had cleared. I followed their instructions and called on Monday XX/XX/XXXX, highlighted all the charges that were not at all part of my authorized activity. They explained their investigation process and I would be followed up with in due course. 
On Monday XX/XX/2022 I received the follow up from Capital One telling me, the charges were not found to be fraudulent. I called again and asked for further explanation of this, at which time the first agent told me the charges were found to be fine based on their investigation. I highlighted this made no sense as there is absolutely no proof of me making these purchases and the transactions do not speak to my traditional/normal use of the account. All the vendors noted in the dispute, I noted I do not know who they were or what they provide. The agent said I should take a picture to prove I did not make the purchases. I asked what would that picture entail? Would it be of me cooking or cleaning my house? I then asked to speak with a Manager who did not provide any intelligent response either. 
I stand by the fact that these charges are fraudulent and I am submitting for further dispute as the matter has significantly impacted my financial responsibilities. Capital One claims there is nothing further they can do to address my being charged for {$1900.00} of expenses I have not authorized. I admit I shop online at one point during the period and used XXXX for the transaction. I also work remotely from coffee shops and sometimes use public wi-fi during the dates highlighted for the charges. Again, I shared with Capital One that my information was clearly compromised due to an online transaction I did make and for which I have receipts. Capital One is telling me, because I was logged into my device I must have made the purchases. I find this rather insulting, as again, none of these so called vendors follow my trend of engagement with my checking account. I find it absolutely disappointing that having banked with Capital One for over a decade, that they would be better able to discern and ascertain the truth of the matter. 
Doing my own investigation of the vendors listed, it is evident they are scams and I truly would like to have this matter resolved with the return of the funds that were not authorized for release by me. The following is a list of the fraudulent charges : Transaction Dates and Amounts XX/XX/2022 - {$3.00} - XXXX XXXX XXXXXX/XX/2022 - {$1.00} - XXXX XXXX XXXX XXXX {$55.00} - XXXX XXXX XXXXXX/XX/2022 - {$3.00} - XXXX XXXX XXXXXX/XX/2022 - {$1.00} - XXXX XXXX XXXXXX/XX/2022 - {$2.00} - XXXX XXXX XX/XX/2022 - {$39.00} - XXXX XXXX XXXXXX/XX/2022 - {$59.00} - XXXX XXXX XXXXXX/XX/2022 - {$39.00} - XXXX XXXX XXXXXX/XX/2022 - {$39.00} - XXXX XXXX XX/XX/2022 - {$110.00} - XXXX XXXX XX/XX/2022 - {$110.00} - XXXXXXXX XXXX XXXXXX/XX/2022 - {$39.00} - XXXX XXXX XXXXXX/XX/2022 - {$39.00} - XXXX XXXX XXXXXX/XX/2022 - {$39.00} - XXXX XXXX XX/XX/2022 - {$39.00} - XXXX XXXX XXXXXX/XX/2022 - {$39.00} - XXXX XXXX  XX/XX/2022 - {$39.00} - XXXX XXXX XXXXXX/XX/2022 - {$39.00} - XXXX XXXX XXXXXX/XX/2022 - {$110.00} - XXXX XXXX XXXXXX/XX/2022 - {$110.00} - XXXX XXXX XXXXXX/XX/2022 - {$39.00} - XXXX XXXX XXXXXX/XX/2022 - {$110.00} - XXXX XXXX XXXXXX/XX/2022 - {$39.00} - XXXX XXXX  XX/XX/2022 - {$110.00} - XXXX XXXX XXXXXX/XX/2022 - {$97.00} - XXXX XXXX XXXXXX/XX/2022 - {$110.00} - XXXX XXXX  XX/XX/2022 - {$39.00} - XXXX XXXX XXXXXX/XX/2022 - {$110.00} - XXXX XXXX XXXXXX/XX/2022 - {$110.00} - XXXX XXXX XXXXXX/XX/2022 - {$6.00} - XXXX XXXX XX/XX/2022 - {$6.00} - XXXX XXXX XXXXXX/XX/2022 - {$110.00} - XXXXXXXX XXXX

Company response to consumer: Closed with explanation