Consumer complaint received 2021-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I'm writing to you to report fraudulent activities related to payments made by me from an account ( XXXX XXXX ) that I was authorized to use from XXXX XXXX via the agency named " XXXX ''. I now know that XXXX and her employment offer was all fraudlent. 

Capital One Issue : There are three payments at the center of the fraud. I was given account info and used an XXXX XXXX account to make payments to my credit card for reimbursements of items purchased on behalf of the XXXX agency. 

Three of those payments have come back as an " unauthorized charge '' after the payments had been posted to my credit card by CapitalOne and the payments were removed causing my credit card to go over its authorize limit. 

See dates below : Received noticed on XX/XX/XXXX : 1. 1st payment date : XX/XX/XXXX - {$2800.00} paid via Returned Mobile ACH Payment returned due to Unauthorized Payment. 

Received noticed on XX/XX/XXXX : 2. 2nd payment date : XX/XX/XXXX - {$2700.00} paid via Returned Mobile ACH Payment returned due to Payment Account Issue. 

Received noticed on XX/XX/XXXX : 3. 3rd payment date : XX/XX/XXXX - {$2700.00} paid via Returned Mobile ACH Payment returned due to Payment Account Issue. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - After reporting the situation to CapitalOne on XX/XX/XXXX, I was told to open an abuse case to be investigated by them ( abuse@capitalone.com ). I was asked to provide all of the information, including the emails from the fraud. I was also told that I would not be held responsible for the XXXX computer that got a way once their investigation was completed because I have some kind of coverage. 

The service rep asked me to hold off on reporting this to the FBI until they had completed their investigation. 

When I called CapitalOne on XX/XX/XXXX, after receiving a bill with the amount {$5500.00} ( including the amount for the computer ), I was informed by a rep by the name of XXXX that I was provided with incorrect information and that no investigation would be performed because I made the payment for the XXXX computer myself. I asked how was it possible that my credit limit is {$3000.00} and that they allowed this to happened. 

At the beginning of this call, the rep XXXX tried to deny that I had even submitted a complaint ( I have evidence that the complaint was received ). When I asked to speak to some one above him or the abuse section, he told me that it was not possible to speak with them because they don't take calls. 

I found this to be suspicious since I had requested that the account in question ( XXXX XXXX ) that I made payments from be investigated so I would not be held responsible for a crime by using an account that I was not authorize to use after being given the account number and routing number in an email from XXXX, where the fraud started. 

The XXXX computer that I purchased and shipped out to the so-called XXXX customer in Florida, which was fraud and is lost to me since the charge is on my card. Now my card is over the allowable amount. I have been defrauded out of a computer and shipping cost totaling {$2700.00}. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Please investigate CapitalOne regarding the payments that they posted and then removed and then did not investigate the issue as promised. I also suspect that there may have been some collaboration from employees at CapitalOne to pull off such an elaborate scheme. 

It took 16 days for the first payment to be returned from the date of payment. If that returned payment had been done sooner, I would have known that something was wrong would not have ordered the computer and shipped to Florida. 

I also informed CapitalOne, that the reason why I believed the fraudster is because I had received an email stating my credit card balance from CapitalOne, which was exactly correct. However, I never gave the fraudster my SSN, only my name and DOB. I questioned CapitalOne as to how they would obtain this info without my SSN. This is why I suspect employees may be involved with the Fraud.

I feel I was targeted somehow and I have reported the fraud and some evidence to the FBI so it does not happen to other people. 

Thank you

Company response to consumer: Closed with non-monetary relief