Consumer complaint received 2021-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 was employed by a company with a single owner/operator dynamic. I was brought in as a driver with the promise of a partnership. Now months into the employment I was being told things such as I was a partner. All the while I was being lied to. We shared email accounts for the purpose of communicating with customers, this led my document and other personal information exposed. Also there were times when I had used my credit cards to pay for fuel for his trucks, for he had zero credit snd could not get a credit card for anything unsecured. There was numerous times between the months of XX/XX/XXXX and XX/XX/XXXX that XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Nj was using my credit cards to pay for dump fees for his business. I was paying the credit card bills as they came in to avoid having interest piled on top, which was still sometimes unavoidable. On top of that, I approached him multiple times, he would then make promises to pay the debt back to me. I used my familys entire savings to pay these card charges. And when I finally came to terms that I would never get the money back, and he continued to steal money, and freely use my cards, all the while, not one of these merchants ever got a card authorization form. Or once asked for any identification to prove it was me calling. I later learned that he actually had these facilities store my card info on site, so when he or even sometimes I was going to dump material there, they were charging my cards. While I didnt even know. Worst part is, Capitol one isnt the only card company that he did this on. It also affected my XXXX XXXX accounts as well. Capitol one originally told me I had zero liability for all of the fraud, they removed the charges and credited my accounts. Sent a letter stating that the investigation was over, hopefully I was happy with the outcome, then a few weeks later I woke up and watched while what started out as a - {$36000.00} balance which was the reported fraud being given back to me. I watched as that turned into what is now a {$59000.00} bill. I immediately reached out to their fraud team. Any simple investigation will show that the business that had its bills being paid for was a company that was not mine. I had zero interest in it aside from working for it. I even provided this information to them at Capitol one, and here i am being stuck with bills. I can show debt being paid down from a company that I now own solely. We started that seperate company together, which ultimately ended up with me as the sole owner, for similar situations going on with the business. I was paying the bills with my personal money, and he was taking money from the business, before I could even reimburse myself for what I wad spending. That I understand is not something that is fraud. I got taken advantage of, but all that time and all that money, without me authorizing any of the transactions. Thats just disgusting, and now trying to stick me with the bill.

Company response to consumer: Closed with explanation