Consumer complaint received 2018-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX, I received an email from Attorney XXXX XXXX XXXX demanding that I return his client, XXXX XXXX ( owner of XXXX XXXX ) payment that was posted on my Capital One credit card. Immediately, I had contact Capital One several times to ask them to return the money to the sender. Each call to them, I was informed it could not happen because the method of payment received and I have to return it to them. In XX/XX/XXXX, I had returned a payment of {$2900.00} to Attorney XXXX via XXXX XXXX, per his instruction. In XX/XX/XXXX, Capital One chargeback {$2900.00} on my account and closed the account without any explanations. Immediately, I had disputed the charge every month with all three Credit Bureaus, only to receive letter from Capital One stating there is no fraudulent activities on the account and {$2900.00} is my responsibility. Then I file a compliant against Attorney XXXX with Columbus Bar Association ( CBA ), whom responded via letter dated XX/XX/XXXX, that Attorney XXXX had died on XX/XX/XXXX and prior to his death, he was not practicing law. And it is there belief that I am a victim of fraudulent activities because someone had used the Attorney 's identify. CBA confirmed all the information in the email I sent to them is accurate but it was not from Attorney XXXX. Immediately, I provided the Credit Bureau and Capital One a letter from the CBA. Capital One responded stated based on their investigation, I am responsible for {$2900.00} and their previous decision remains. XXXX XX/XX/XXXX, I called Capital One and demanded answers because my call kept getting transferred four times. The I demanded to speak with their fraud department, especially after receiving the letter from CBA. Spoke with XXXX ID # XXXX, finally admitted that the payments were received came from an unauthorized account and fraudulent activities had occurred, resulting in them closing my account. Now I have great concerns, had Capital One exposed this information back in XX/XX/XXXX, I would have NEVER sent {$2900.00} to so-called Attorney XXXX. I have nothing to gain for doing that. Had Capital One informed me of these fraudulent activities back in XX/XX/XXXX, I would had reported it immediately. I don't have a history or pattern with engaging in these types of foolishness. My credit is ruined because it reflects a high debt with a closed account. I am not able to receive another credit card and it's having a negative impact in securing employment from companies who performs credit check. Why didn't Capital One inform me back in XX/XX/XXXX? Why didn't Capital One investigate this back in XX/XX/XXXX? They were the only ones who knew how payments were accepted. Why is Capital One able to misinform the consumers, damage credit history and force someone to pay a charge they knew was fraudulent? I had attached the letter from CBA and Capital One. Please help me understand how Capital One has no accountability ; and to resolve the {$2900.00} plus excessive fees and a damage history. Most likely if this happened to me, there are other victims too.

Company response to consumer: Closed with explanation