Consumer complaint received 2020-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Hello, my name is XXXX XXXX and there has been fraud committed to my Capital One Credit Card account, I reached out to Capital One on : XX/XX/2020 as soon as I noticed that there was fraud AND UNAUTHORIZED TRANSACTIONS/ charges on my account, I spoke to a representative named : " XXXX XXXX " She said that Capital One would do an investigation and make a case. My case # with Capital one is : Case # : XXXX. THEY NEVER NOT ONCE CALLED AND INFORMED ME that all these major fraudulent charges/ transactions were being placed, and didn't even put a hold on my account for suspicious activity. They failed to inform me about this suspicious activity. I never once received a phone call making sure if these purchases were even mine or not. Why wasn't I contacted right away? Obviously there was suspicious activity and they overlooked it. This is pure and gross negligence that Capital One is doing to me, the credit card holder and consumer, and the loyal customer I am to them. I have not made any transactions or any charges since the month of XX/XX/2020. Due to COVID-19, I have not been touching any credit cards. I have not made any charges in XXXX at all whatsoever you can tell that is a huge gap from the months from XXXX to XX/XX/2020 the dates that the unauthorized charges/ transactions took place. Not only were they neglectful about informing me about all these suspicious activity and charges and transactions being made, they are also labeling and finding my fraud case " insufficient evidence of fraud, '' and Falsely accusing me " to be benefiting from the transactions. '' They are now saying that I am responsible for the charges listed. hey should be held responsible for clearing my charges, also they stated in the first document that I was " assured, and had assurance, '' that I wouldn't be held responsible for any unauthorized charges to my account and I quote they said " we want to assure you that you won't be liable for any unauthorized charges. I dint not make any of these purchases this is fraud, and Capital one should be held responsible for and give me the assurance they promised to not hold me responsible for the unauthorized charges I never not once authorized and I didn't even know about because they failed to inform me thank you. By the way there are a total of 11 unauthorized charges. 
The dates for the fraud charges are as follows : XX/XX/2020 Unauthorized charges Unauthorized charges Unauthorized charges Date Store or Merchant Name Amount of Charge Date Store or Merchant Name Amount of Charge XX/XX/2020 XXXX. {$970.00} XX/XX/2020 XXXX XXXX XXXX. {$22.00} XX/XX/2020. XXXX {$79.00} XX/XX/2020 XXXX A. {$52.00} XX/XX/2020 XXXX XXXX XXXX {$2000.00} XX/XX/2020 XXXX XXXX XXXX. {$1500.00} XX/XX/2020 XXXX A. {$53.00} XX/XX/2020 XXXX XXXX   XXXX. {$9.00} XX/XX/2020 XXXX XXXX XXXX {$150.00} XX/XX/2020 XXXX XXXX XXXX {$12.00} XX/XX/2020 XXXX   {$420.00} Theses are the 11 unauthorized charges that Capital one promised and assured I would be held liable for and now they are going back on their word, they have committed negligence, for not informing me about the suspicious activity that took place on my account. I think since the credit card Capital One company didn't even inform me what was going on or report any suspicious activity was going on in my account, which there were so many purchases with very big amounts, and they failed to inform me as well as failed to notify me about this such suspicious activity it, when these unauthorized charges first took place on XX/XX/2020, ( XX/XX/2020 ), they should live up to their promise of " assurance, '' since they assured me that I wouldn't be held liable for any of these unauthorized charges/ transactions. Capital one should be held responsible for clearing the unauthorized charges to my account

Company response to consumer: Closed with explanation