Consumer complaint received 2018-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
Since the beginning of XX/XX/XXXX I have been trying to get my identity back. I was hit big time with identity fraud back in XX/XX/XXXX. My 2 out of 4 credit cards are getting better. Now 1 is finally being reviewed by a collection agency so I don't know if or when that will be straightened out. The one I'm having major difficulties is my Capital One card. Okay on XX/XX/XXXX there was a strange payment of {$500.00} that was made. Capital One returned the payment but they never took it off my bill so I was charged for this payment. Now if you look back to XX/XX/XXXX and XX/XX/XXXX I made payments of only {$30.00}. I get state cash assistance because I'm in my 2nd appeal for social security XXXX and I get a small amount of money once a month. That amount is {$210.00}. Some how I'm supposed to live on just this amount and I barely scrape by. Anyways there is no way I could make that {$500.00} payment and if Capital One would look back in their records they would see which bank and person made that payment. Now you would think they would but they won't, I have tried numerous times and I get nowhere. Now on XX/XX/XXXX there was strange charge for a hotel for {$410.00}. Doing some research on my billing statement it says XXXX XXXX which is in XXXX XXXX XXXX, XXXX, XXXX, XXXX. Now there is no way I could be over there when the closest I've gone out of the USA is XXXX and I don't have a passport. Now this charge was returned on XX/XX/XXXX and then its was charged again. On XX/XX/XXXX someone did a cash advance of {$470.00} through XXXX XXXX. I have not done any cash advance since I haven't and probably will never ask for a PIN code to do such a transaction. Now because of this charge I now have Interest Fees. On XX/XX/XXXX I was charged {$14.00} for cash advance fee. On XX/XX/XXXX I was charged a past due fee of {$25.00}. Now that same month I was charged {$19.00} in interest charges for purchases and {$8.00} in interest charge for cash advances. When I total this up so far it comes to {$1400.00}. Okay now XX/XX/XXXX I was charged again for past due fee but no cash advance fee. That same month I was charged {$20.00} in interest charge on purchases and {$10.00} in interest charge on cash advances. Adding the {$1400.00} plus these new charges comes to {$1500.00} and I'm not done I have one more month of past due fees and interest charges. When XX/XX/XXXX came around I was charged {$35.00} for past due fee. They then charged me one last time {$22.00} in interest charge for purchases and {$11.00} in interest for charge cash advances. To tally all of this up comes to XXXX and that's exact what they say I owe them. But again if you look at my records those charges were not mine and the extra fees shouldn't have been charged sine I am a victim of identity theft. I am refusing to pay any of this and I have told Capital One. I even had them do an investigation on this and I got a letter back from XXXX on XX/XX/XXXX that says " our research found no signs of fraud. '' Are they blind oh my god, those charges are not mine but they just won't listen and because of this I have to try to pay off this card, which will take me many years. I did call last week to have them reinvestigate my case but I doubt I will hear from them.

Company response to consumer: Closed with explanation