Consumer complaint received 2021-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
My daughter is an authorized user on my Capital One Visa card. My daughter 's personal information was stolen in a data breach of XXXX XXXX in XXXX. This personal information would contain her name and our home address. 

Subsequent to the date breach my daughter was a victim of credit card fraud. 

I notified Capital One of two fraudulent charges as soon as I discovered them. 

1. On XX/XX/2021 a fraudulent charge of {$46.00} from XXXX. 
2. On XX/XX/2021 a fraudulent charge of {$46.00} from XXXX. 

Capital One " investigated '' and determined there was no fraud for either charge. I appealed their decision regarding the second charge ( {$46.00} ) and I believe that investigation may still be pending. As of XX/XX/2021 the investigation of the first charge ( {$46.00} ) has been closed. 

The gist of Capital One 's proof is that the XXXX account that placed the order has my daughter 's name and home address attached to it. And that the destination shipping address for both packages match my city, state, and zip code. I do not think that is enough. 

Here are my counter claims : 1. XXXX  does not verify the physical address of people who open accounts. So the fact that an account has my daughter 's name and address is suspect evidence. 
2. The XXXX account with my daughter 's name and home address on it is attached to a XXXX email address. My daughter uses XXXX. 
3. The publicly available tracking information at XXXX only shows the packages were shipped to my city, state, and zip code. This does not mean that it was sent to me ( I am not the sole resident of my zip code ). 
4. XXXX allows recipients to change the delivery address after the shipment has been placed. So just because XXXX 's records show initial delivery address was my home address it doesn't mean that is the absolute final delivery address. 
5. I have the XXXX tracking numbers that Capital One provided for the packages that were shipped with the two fraudulent charges provided above. When I called XXXX they initially would not give me the recipient name or the delivery street address for privacy reason. But I did get XXXX  customer service to confirm verbally that the destination street address for delivery WAS NOT my home address. 
6. I reported this ID / credit card theft to the XXXX XXXX, VA cybercrimes unit. I got an email response from a detective who advised me that I could get XXXX  to give me the information I needed ( name / street address ) by using the Fair Credit Reporting Act Section ( FCRA ) 609 ( e ) that requires businesses to provide consumers with information they need to fight ID theft. 
7. I called XXXX again and informed them of FCRA 609 ( e ). Amazingly they agreed to send me the information I requested : the recipient name and recipient street address for the two packages paid and shipped using fraudulent charges to my credit card account. This shipping information from XXXX now conclusively shows that these packages WERE NOT delivered to my home address.

Company response to consumer: Closed with monetary relief