Consumer complaint received 2023-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Capital one Bank was told there were unauthorized fraudulent charges made to my account. I went to one of the locations and spoke to a representative who credited the account. Capital one ( an oversees branch or division ) claims that no credit was ever issued for one of the transactions, ( receipt from merchant is attached to this complaint ) so they refused to credit the other transactions and they stole the credit issued by the merchant. ( this may sound unusual, but capital one appears to have somehow deleted the credit 's issued by the merchants, and essentially stole money from the checking account. 

I did not give capital one the receipt that showed that the merchant credited the account because I wanted to be sure that what they call an investigation is not an investigation at all, Capital one is simply just denying claims. So they do not know, I have documentation proving the account was credited and in so they are committing fraud on American consumers from an over sees branch/division and essentially robbing those who use their services in the US. One document is attached proving this is attached to this complaint.

Below are charges added to the capital one bank account this morning, by the offshore capital one operations... 

XX/XX/XXXX Icon Dispute Credit - XXXX XXXX XXXX XXXX Provisional Credit + {$81.00} XX/XX/XXXX XXXX XXXX XXXX Purchase XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX Dispute Credit Reversal - {$49.00} {$550.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX XXXX WI Dispute Credit Reversal - {$62.00} {$600.00} XXXX XXXX XXXX Decrease Int Paid ( XXXX ) Decrease Int Paid- {$0.00} {$660.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX XXXX WI Dispute Credit Reversal - {$49.00} {$660.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX XXXX WI Dispute Credit Reversal - {$7.00} {$710.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX XXXX WI Dispute Credit Reversal - {$12.00} {$720.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX XXXX GE Dispute Credit Reversal XXXX {$21.00} {$730.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX XXXX WI Dispute Credit Reversal - {$15.00} {$750.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX XXXX WI Dispute Credit Reversal - {$10.00} {$770.00} XXXX XXXX XXXX Decrease Int Paid ( XXXX ) Decrease Int Paid- {$0.00} {$780.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX  XXXX XXXX XXXX  Dispute Credit Reversal XXXX {$50.00} {$780.00} XXXX XXXX XXXX  Dispute Credit Reversal - XXXX XXXX XXXX GE Dispute Credit Reversal XXXX {$7.00} {$830.00} XXXX XXXX XXXX Decrease Int Paid ( XXXX  ) Decrease Int Paid- {$0.00} {$830.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX Dispute Credit Reversal - {$140.00} {$830.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX  XXXX XXXX WI Dispute Credit Reversal - {$30.00} - {$23.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Purchase - {$120.00}

Company response to consumer: Closed with monetary relief