Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Multiple times in XX/XX/2022. My capital one card charged by XXXX XXXX XXXX XXXX in the middle of the night. I called the bank about this. They couldnt find it but I have screenshots. I put it out of the notifications that they sent me through text message everyone of them. Amounts ranging from {$100.00} and up totaling XXXX different charges for more I called the bank again on XXXX XXXX they still couldnt find anything. So I asked capital one what I can do to block them from my account. They said they werent able to block them for some reason so he suggested deny cancel that card number and get a new card which I did and Capital One gave them my information again before I even received a card which Ive never used and Capital One then manually changed it to the new card number gave XXXX XXXX XXXX and confidential information and allow them to put a phony charge for {$5300.00} on my new card number which I hadnt even received yet! Which put the card over the limit {$5000.00} almost and they approved it but they wouldnt approve the small transactions that they did all month at a nowhere. There were like XXXX XXXX  in a time consistently throughout the month which I have screenshots of her my account on their site, I called them to have it removed and tell them I told them on the XXXX they called me on the third to ask me if I ordered a new card which theyve never done before in the past and I said yes but they failed to tell me about the charge that was put on there for {$5300.00} I had no idea it was even on there at the point I never signed a contract with any of these people. XXXX requested to them to send me a copy of the original receipt with my signature on it anywhere they said the head told them that they had a picture of my ID and the card wasnt present. The transaction was just a random charge just by XXXX but no specific item charged or even terminal it was just random charge to the card by XXXX  Capital1 window now XXXX to make the charge smaller amounts throughout the month, but one charge they made that the approved and said that I needed to make a payment to bring the balance back under the limit, but then the charge just disappeared but I still have the notification of the charge being processed but they didnt allow them to bring the card to double the limit of the amount. This is not the first time Capital One is done Capital1 Ive talk to the department on the phone with him for hours in the proceeded keep lying to me, but they dont have the receipts the purchase receipt for any type of signature or any type of anything other than excuse why they wont take it off because the company said they had an ID but I requested it and the lady ignored it, and told me that theyre not removing it, because theyre just standing by their decision when I didnt buy anything from this company in you can contact me for more detail information cause its hard to put everything in this thing. Its easier to tell you what happen or explain I dont know what else to put in here because theres a more to it because XXXX XXXX have accounts with Capital One and our getting together and I had an illegal purchases to peoples accounts. They dont want to remove when they know they have no proof that it even happened or that its even legitimate and wont do anything to remove it as if there fraud department refuses to investigate other than what they say. They have been told about an ID but cant produce a receipt of any kind or any signature because at that amount of purchase on a card that the limit is the same as the purchase when theres already money on there how can you approve, something like that and they said well they will sometimes approve a purchase that goes over the limit yeah but double the limit important limit when Ive never made a purchase of any kind in that magnitude how is that even possible but you couldnt approve the XXXXXXXX XXXX XXXX or the small transactions off this month but then you have no reason why no excuses to where this charge even came from, but what is it for, where is my receipt? Wheres my signature? Wheres my card being present at the time? Where is the contracts nowhere to be found but they wont want to remove it. I told him I was not paying that anything from that company because I dont have any contract with him and I dont have any receipt or any transaction or signatures anywhere All they say is they dont need a signature they dont need a signature for a contract like what are you talking about? How is that possible so how am I liable to something I never signed I never purchased and only Capital One has record of this. Ive been getting anything from anyone else. Capital1 is stealing money, laundering money again they just got in trouble for the stuff not long ago last year theyre doing it again. I knew someone they did the same thing too. I was just talking to the other day for the same situation. Ive called Capital One before and after the charge they told me they had to make a charge on the account for them to be able to block them but they wouldnt be able to do so with the old card number because it was canceled and it was blocked that way, but then Capital One gives them my information before I even get the card and I said have screenshots of it being under the old number and have screenshots of him having changed it to the new and give them giving them my information I got that too and all the transactions throughout the month the messages that they sent me any screenshots of my account online in real time