Consumer complaint received 2017-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Dear Consumer Financial Protection Bureau I am writing you to explain fraudulent activity that Capital One Bank was instrumental in allowing thieves to take advantage of me and they should be instrumental in correcting the wrong. 

The details of this fraudulent crime affects my Capital One accounts, XXXX and XXXX XXXX. Please keep in mind I have called Capital One 13 times and have written Capital One three times and have sent the letters certified and faxed them to their Fraud Department. The letters were dated XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX The Capital One case numbers are available upon request. 

In XXXX, I was searching for a new job. I received an email from a company stating that they had reviewed my resume on XXXX and was interested in me. The company name is XXXX XXXX XXXX ( EMV ) and was a subsidiary of XXXX XXXX. They were opening branch offices in the USA.  They sent me a company information package. I did some research on the company and believed it to be legitimate. 

I was working with their representative XXXX XXXX, located at XXXX XXXX, XXXX XXXX, XXXX XXXX, NY, XXXX. Her phone number is ( XXXX ) XXXX. Her email is XXXXXXXXXXXX On XX/XX/XXXX, they extended me an offer as a Regional Manager for XXXX & XXXX XXXX XXXX. My start date would be XX/XX/XXXX. I would be on a two week probationary period and after that time I would be issued a corporate credit card. 

So that I would not be out any money, during the first two weeks, they would supply me with account numbers and routing numbers to make purchases on their behalf. I would post payments to my credit card account and then make purchases locally and send the items to their main headquarters in XXXX. 

I decided to initiate my first transaction. They sent me the XXXX XXXX bank information. I called XXXX XXXX to insure it was a valid account and XXXX XXXX confirmed it was. I made a deposit of {$13000.00} into my Capital One XXXX account on XX/XX/XXXX 

I confirmed my online account information reflected that the deposit had been made ; I also called Capital One onXX/XX/XXXX at XXXX XXXX MST to insure that the deposit had posted and funds were actually available for use. Capital One assured me that the funds did post and the funds were available for use. 

I proceeded to make the purchases requested from XXXX. I used both my XXXX and XXXX. I also checked with Capital One to insure everything was OK. Again I was assured everything was fine and the funds were available for use. My online accounts also reflected that the deposits had posted, reflected deposits paid and funds were available. The notations were quite clear that the deposits were PAID. They were not pending, but PAID. 

I then received information stating that the deposit from XXXX XXXX was returned. I immediately contacted XXXX. They assured me that everything was fine and was a clerical error. They told me to use a CHASE account number. Again, I contacted CHASE to verify the account and contacted Capital One who assured me that everything was fine and Capital One had the deposit. 

Shortly after Capital One reassured me that everything was fine I completed the purchases and sent the items to XXXX as instructed. I would have never completed any purchases unless I had the confirmation from Capital One that the deposits had been made, were paid, and were available for use. 

I got in contact with XXXX XXXX fraud departments as soon as I received additional deposit returns. I have records noting deposits paid and available balances. 

I also reported this to the FBI and FTC and had the FTC report numbers added to my account transcript. I have also notified the Secret Service, XXXX Police Department, and the Arizona Attorney Generals office. 

I called Capital One thirteen times and talked to several people from XX/XX/XXXX through XXXX. Here is a partial list of the people I talked with. 

Person Date XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont think I acted irresponsibly since I had the assurances from Capital One that the deposits had posted and the funds were available, confirmed by phone and online account information. 

Here is a list of the deposits, returned payments, & fraudulent charges made under this crime that Capital One helped complete. 

Capital One Deposits : XXXX XXXX ending in XXXX deposit onXX/XX/XXXX for {$13000.00} ( XXXX XXXX ) a XXXX card ending in XXXX deposit onXX/XX/XXXX for {$13000.00} ( XXXX XXXX ) b XXXX card ending in XXXX deposit onXX/XX/XXXX for {$13000.00} ( XXXX XXXX ) c XXXX card ending in XXXX deposit on XX/XX/XXXX for {$12000.00} ( XXXX XXXX ) d XXXX XXXX ending in XXXX deposit onXX/XX/XXXX for {$4200.00} ( XXXX  XXXX ) e XXXX XXXX ending in XXXX deposit on XX/XX/XXXX for {$4100.00} ( XXXX XXXX ) f Capital One Returned Payments : XXXX XXXX ending in XXXX returned onXX/XX/XXXX for {$13000.00} ( XXXX XXXX ) a XXXX card ending in XXXX returned on XX/XX/XXXX for {$13000.00} ( XXXX XXXX ) b VISA card ending in XXXX returned onXX/XX/XXXX for {$13000.00} ( XXXX XXXX XXXX c XXXX card ending in XXXX returned on XXXX for {$13000.00} ( XXXX XXXX ) d Master Card ending in XXXX returned onXX/XX/XXXX for {$4200.00} ( XXXX  XXXX ) e Master Card ending in XXXX returned onXX/XX/XXXX for {$4100.00} ( XXXX XXXX ) f Fraudulent Purchases : XXXX XXXX ending in XXXXXX/XX/XXXX XXXX XXXX ( XXXX ) charges for {$2000.00} each = {$6000.00}XX/XX/XXXX XXXX, ( 1 ) charge for {$200.00}, ( 1 ) for {$500.00}, ( 1 ) for {$1000.00}, ( 2 ) for  {$2000.00} = {$5700.00} XX/XX/XXXX Home Depot, ( 1 ) charge for {$500.00}, ( 1 ) for {$1000.00} = {$1500.00} XX/XX/XXXX XXXX XXXX, ( 1 ) charge for {$3000.00} = {$3000.00} XX/XX/XXXX XXXX XXXX, ( 1 )  charge for {$10000.00} = {$10000.00} Fraudulent Purchases : XXXX XXXX ending XXXX XXXX/XXXX/XXXX - On XXXX XXXX ending XXXX to XXXX for {$4200.00} I hate to say this but Capital One flat out lied to me. They also misrepresented the status of my accounts and have aided in perpetuating fraud in the credit card industry. 

Here are the reference numbers of my filings : Capital One Reference/Case Numbers : Upon request Federal Trade Commission File Numbers : Upon request Arizona Attorney General File Number : Upon request City of XXXX Police Department Report Number Upon request Additionally, the FBI and U.S. Secret Service were notified however their case numbers were not disclosed to me. 

Again, Capital One lied to me and misrepresented the balances of my accounts, repeatedly. Capital One seems to be perpetuating this type of fraud by misrepresenting the status and balances of their customers accounts. 

I would like Capital One to treat the charges listed above as fraud charges/cases, credit my account for these charges, and reinstate my accounts and balances to the status prior to the fraudulent activity.

Company response to consumer: Closed with explanation