Consumer complaint received 2021-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
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:
I answered a phone call on XX/XX/2021 claiming to be my XXXX  XXXX XXXX stating that my power is going to be shut off due to non payment they were in my neighborhood so they were calling to get a payment so they wouldnt have to turn my power off. I believed this as my husband sometimes forgot to pay the bills. I dont ever see the bills as he takes care of the personal bills and I take care of my business ( XXXX XXXX XXXX XXXX  ) They just wanted partial payment so I said Ill just pay the amount due. I was at my shop at around XXXX MT time so I gave them first my personal debit card and they said it wouldnt go through so I gave them my XXXX  card business checking. Again they said it didnt go through I said let me give you the number again because I know I have enough money but she asked if I had a Capital one or a XXXX XXXX card that they work easier. So I gave them my Capital one card and they said yes it went through so I said please send text to confirm she said she would. I then went back to my customer I tried later that day to call my husband but he didnt pick up. I kept checking my text and Capital one card all evening for a paid transaction on either XXXX  XXXX or on Capital  one card, but nothing was on them so the next day XX/XX/XXXX I called XXXX  XXXX and they said no they didnt call or receive a payment, so then I called Capital one card and stopped the card and told them what happened, they issued me a new card said they would send it by mail. On Saturday XX/XX/XXXX while I was home my phone started dinging letting me know there was a purchase on my Capital one card and it started dinging every minute so I called Capital one and they said thats weird that someone was using my new card number and making cash advances at a rate of one every minute for {$500.00} at a time they stopped that card and was issued me another new card I told them that I hadnt even received my XXXX new number so how is this possible? They sent me to a Fraud specialist and they said that they had never seen this before. Anyway I looked on my account and noticed who was making these charges it was a company called XXXX XXXX XXXX XXXX with a phone number so I called them and asked who they were and told them to stop scamming me or I will call the police and FBI on them he wanted my email address and I said no and hung up. The company deals with crypto currencys and bit coin. They act like a wallet????? For many who want to buy currency. The thing is Capital one or XXXX returned {$26000.00} dollars of the {$47000.00} the scammers got from my account first Capital one took out all the monies used from the scammers and all the fees and overcharges that were put on my card my card was in a no use mode for 3 weeks, this is my business card so I couldnt even use it to purchase my products for my clients, so I had talked to a fraud manager about getting my card open again so I could use it. I had a {$21000.00} limit but the scammers took {$26000.00} over my limit. No one can answer why Capital one let them and how they did it. On XX/XX/XXXX I got two letters from Capital one first stating that they were happy to announce that all was resolved my credit limit back to {$21000.00}. The second letter stated that Capital one fraud department said that because I willingly gave the scammers my cc number that it wasnt considered fraud but a scam and that they didnt cover scams. So they put back on my credit card {$21000.00}. And said I was responsible for paying this off. I called the Idaho Attorney General they told me to make a police report I did then call the FBI I did I still need to finish that report. The detective told me there wasnt anything that they could do to get an attorney and fight this. I again called XXXX and begged them to get my money back to their manager but he sent me a text stating that they couldnt do that they dont return money. I again called Capital one today XX/XX/XXXX and the specialist said that the only thing they could do was to put the total owed on a 0 % interest they took back out the {$470.00}. Fee this leaves me with {$22000.00} to have to repay. So I desperately need help to resolve this. Can you help me? Thank you for reading this XXXX

Company response to consumer: Closed with monetary relief