Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My Capital One credit card was closed causing a fraud alert to close all of my credit cards down. I was never given a proper investigation of what happened. I wasn't given a letter explaining why my credit card was closed. they also went against the California unfair competition law.n now XXXX XXXX has frozen my account without information or proper investigation as well as stealing my money and refusing to give back what they owe me and on the recorded line, they say they don't have XXXX to return my money. capital one venture credit card XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX TO : CAPITAL ONE ATTENTION CREDIT CARD FRAUD I am writing about an unfair and incorrect situation where my Capital One XXXX XXXX XXXX XXXX No. XXXX XXXX XXXX XXXX XX/XX/XXXX has been held hostage by your FRAUD Department for almost two months. 



First, your fraud dept claimed that I did not have the rights from my uncle, XXXX XXXX XXXX, To utilize his credit card or his bank account while he was in the hospital and rehabilitation Center for almost 5 months. I sent you a notarized letter confirming that he had given me that right ( see attached ) to pay his bills ( house in Pennsylvania ), his pharmaceutical bills, and to purchase other items needed as well as my own personal and medical bills. 

My uncle spoke with a fraud staff member on the phone and it is confirmed on a recorded line. I also have my uncles Power of Attorney. 



Now when I call your supposed fraud staff tell me that you are not interested in his XXXX XXXX but in a charge to my credit card a payment from XXXX XXXX Bank Account xx XXXX on XXXX XXXX returned to my credit card on XX/XX/XXXX as a returned online payment CONA. Documentation of these transactions are also attached. 



No one in my immediate family has XXXX XXXX Accounts ending in XXXX. 

My uncle has a chase credit card ending in XXXX. My mother has a chase debit card Ending in XXXX. No one in my family or friends have such credit card that you listed. 

THE FRAUD WAS AGAINST ME OR IT WAS A MISTAKE ON THE PART OF A XXXX BANK TELLER OR AN ONLINE MISTAKE. 



I am requesting you to take the HOLD AS FRAUD off of my Capital One XXXX XXXX  Because this is not my FRAUD AND I AM BEING PENALIZED FOR SOMEONES ERROR OR SOMEONE WHO HACKED MY ACCOUNT. I can not provide you with information for transactions that I have not made I am a victim not the perpetrator of this fraud that is so obviously not fraud on my part but a computer error from the bank or else someone has hacked into my account or stole my identity. The XXXX $ to pay off a credit card that only had a {$2000.00} balance is preposterous and then XXXX days later it is removed from my card. DOESNT THAT SAY SOMETHING HAPPENED THAT HAD NOTHING TO DO WITH ME, THE CREDIT CARD OWNER???? Why am I considered to be causing this fraud its obviously a bank mistake or some kind of money laudering scheme by your bank staff????. 



If you do not release this account or cancel this card and provide me with a new Credit card, my attorney ( who has been apprised of this situation ) will be filing a law Suit for unwarranted and mistaken fraud as well as compensation for sullying my Stellar reputation with credit companies and for stress and aggravation entailed In having to take my XXXX XXXX XXXX uncle to a notary public for the first letter when he experienced XXXX XXXX And stress for my XXXX XXXX XXXX mother who tried to speak to your so-called Fraud specialist who simply ignored the situation repeating over and over like a ROBOT Just send in the account transactionswhich we can not do because we HAVE NO IDEA WHO PAYED {$4900.00} TO MY CAPITAL ONE CREIDIT CARD FROM XXXX XXXX Bank And 2 Days later returned online ACH Payment CONA of the same amount. 







No one in your unit every called me about this -- - XXXX HAD TO CALL MULTIPLE TIMES TO CHECK IF YOU RECEIVED THE INITIAL NOTARIZED STATEMENT AND THAT IS WHEN I WAS TOLD BY YOUR STAFF THAT IT WAS NOT A XXXX ISSUE BUT A XXXX BANK XXXX 



Not only is this ridiculous it is irresponsible on the part of your XXXX XXXX to make these kinds of errors that can destroy a citizens credit history for a lifetime. 



I am asking that this mistake from your XXXX XXXX be rectified IMMEDIATELY and my Credit is reinstated with an apology and compensation for your egregious mistake. If this does not happen immediately, expect to receive my attorneys legal suit against Capital One and particularly our Fraud Dept. and Staff. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Attachments : My Capital One credit card statement ending XX/XX/XXXX for Account ending in XXXX My notarized statement from myself and my uncle about his acknowledgment that he has asked me to use his credit cards and bank accounts during his illness period that last many months