Consumer complaint received 2017-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
PLEASE SEE ATTACHED FOR ALL DETAILS : Summary Here -- & gt ; On XXXX/XXXX/16 I received a phone call from " Capital One '' supposedly, so I told them to call me back from a number showing Capital One as Caller ID, and they actually did, because I actually have the Capital One number on my credit statement saved in my cell phone. I felt comfortable that the call was legitimate when the saved number appeared on their next phone call. The Capital One rep said they had a special offer to transfer all my credit card balances onto XXXX NEW card ( I was n't told what card it would be, and when it came in the mail it was XXXX ). He told me that the entire transferred amount would be interest-free until entirely paid off, and the payments would be {$250.00} per month. The cost for this service was supposed to be {$2500.00}, but they only charged me {$1900.00} because there was not enough available credit on my Capital One card for the entire amount ( see attached Capital One statement ). Before I accepted any terms of their offer I was transferred to " XXXX XXXX '' because the offer seemed too good to be true, but she was very convincing. She even gave me her cell number ( it was actually a XXXX number ) and told me that I needed to call her immediately when the card came in so I could confirm its receipt and be reassured of the offer they gave me. I was actually called back by XXXX a short time later who told me that they were only charging me {$1900.00} because there was not enough credit left on my Capital One card to charge the entire {$2600.00}. I was also told that once the XXXX fee was charged to Capital One, the entire balance would then be transferred to the " new credit card ''. ***SOMEWHERE IN THE ABOVE PROCESS OF BEING TRANSFERRED TO SEVERAL PEOPLE I REALLY WAS N'T SURE WHETHER I WAS SPEAKING WITH CAPITAL ONE OR XXXX, BUT I STILL HAD A COMFORT LEVEL AND PROCEEDED*** XXXX did not mention anything about a " transfer fee '' to the new card, which I saw was {$420.00} when I received the new XXXX card and first statement. I was also told by XXXX that the " new card '' would have a " low interest rate for life '', but the attached XXXX statement shows 23.24 % ( hardly a " low '' rate ). When I received the card I called XXXX to activate it, afterwhich I called XXXX to confirm the terms I was given by XXXX and that 's when I found out they lied to me. The XXXX rep told me they " never do interest-free for life '', and that it was only for one year. I actually called XXXX a few times to confirm this and got the same information. I then called XXXX XXXX at XXXX and it took me about 5 calls over several weeks to get her on the phone just before XXXX. She said the offer was indeed valid and that she would send me an email confirming that. She still has n't, and I 've called and left messages for her 5x since then, and emailed her 4x and she has not returned my calls or emails. PLEASE SEE THE ATTACHED MORE-DETAILED PAGES WITH ALL DATES, TIMES, LENGTH OF TIME SPOKEN, EMAILS AND NAMES OF THOSE CONTACTED.

Company response to consumer: Closed with explanation