Consumer complaint received 2018-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
RE : Capital One Credit Card Number : XXXX XXXX XXXX XXXX I am currently in XXXX XXXX and was put into an XXXX XXXX  for a few weeks, due to the XXXX XXXX  stuffed down my XXXX, I can not speak well and when I do it is painful. Drs say it could be days, weeks or months to fully recoup. I was scheduled to go home on XX/XX/XXXX but I now have XXXX symptoms and XXXX XXXX. 
NOTE : Anyone can call XXXX XXXX XXXX XXXX to confirm I am here XXXX XXXX they just wo n't provide an personal information. 
ISSUE : My son brought me all my mail and upon opening my Capital One statement I became aware there are numerous transactions which I did not authorize. We then looked for my Capital One credit Card and could not find it. My son had his laptop and we signed on to my account. 
- I tried to dispute the items, but Capital One does not allow me to dispute unless I call them, they force consumers to go through the following process ; click the option to dispute item and a message comes up that says ; : this might be Fraud- Call us and we can protect your account Capital One then gives me only one option to call the following number XXXX But I can not speak and have a lot of pain attempting to speak. ( see screenshots attached ) - I then attempted to email Capital One but they have no secure messaging I could find available for me on their website. 
- I tried looking for another way to email Capital One but could not find one - My son tried calling to inform Capital One of the situation ; He was told he had to mail in a Power of Attorney, But this would take days. 
- I think it is important to report the fraud anyway i can therefore I am using the CFPB platform. 
Here is my fraud report : All transaction between XX/XX/XXXX and XX/XX/XXXX, are unauthorized and I am reporting as fraud. Including payments that seemed to have been made from accounts I had attached to my Capital One account. Some were even closed over a year ago. 
I am confused how Capital Ones fraud detection did not recognize seven ( 7 ) transactions in one ( 1 )  day on XX/XX/XXXX. I have never used my card that many times in one day, 3 may be the most I have ever used my card in a single day. They could have stopped this then but instead my card was used about 20 more times over the following two ( 2 ) weeks. 

To avoid any confusion, here is an itemized list of unauthorized transactions ; XX/XX/XXXX transactions XX/XX/XXXX {$400.00} payment XX/XX/XXXX {$8.00} XXXX  XXXX XX/XX/XXXX XXXX Credit cash back reward XX/XX/XXXX {$110.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX USPS XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XXXX Payment XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX return payment {$480.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX-XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$780.00} Payment XX/XX/XXXX XXXX Paymewnt XX/XX/XXXX XXXX credit cash back XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Paymwnt XX/XX/XXXX returned payment {$780.00} XX/XX/XXXX returned payment XXXX As a result of the fraud it seems Capital One has restricted my account, but I do not know what type of restriction that is or when it was placed because I have not received any kind of notice explaining. 
Note : Since it seems someone was able to access my account online, I have already changed the password.

Company response to consumer: Closed with explanation