Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I was scammed by XXXX and requested a four chargebacks of {$2700.00} each, totaling {$10000.00}, from my credit card company Capital One. 

Disputed Capital One case numbers. 
XXXX XXXX XXXX XXXX Capital One has denied my charge back four fraud claims against XXXX stating, my claim lacks all of the previously requested information needed to validate your dispute. 
I sent Capital One credit card copies of my email correspondence with XXXX as proof of my claims. 
I also sent Capital One the following letter shown below with detailed information that Capital One requested. 

To Capital One dispute services. 
I, XXXX XXXX, joined XXXX on XXXX, which is supposed to be an email marketing company, where I could earn commissions by sending bulk emails to people. 
They provide all the email addresses through their back office to whom we would send emails to. 
They were having us send hundreds of thousands of emails every day, millions per month. 
When someone opens these emails and clicks on the advertising link in the emails, we earn a commission on these clicks and XXXX would earn additional money as well from all these emails sent. 
You are supposed to be able to earn a weekly commission. 
I earned {$3900.00} in commissions over an approx. 8-week period listed below. 
Week of and amount owed : XXXX owed {$410.00} XXXX owed {$380.00} XXXX owed {$410.00} XXXX owed {$420.00} XXXX owed {$610.00} XXXX owed {$360.00} XXXX owed {$460.00} XXXX owed {$850.00} I did not receive any of these commissions. 
I paid a total of {$10000.00} in membership fees to this company. 
XXXX amount I paid {$2700.00}. 
XXXX amount I paid {$2700.00} this payment was automatically debited by XXXX. 
XXXX amount I paid {$2700.00}. 
XXXX amount I paid {$2700.00} this payment was automatically debited by XXXX. 
At this point I locked my credit card realizing I was scammed and not going to get paid from them. 
I reached out to the owner, XXXX XXXX, asking when they were going to pay me. 
I would always get the same answer, that he has notified the payment team of my issue, and they will make sure it's taken care of promptly. 
I sent him multiple emails between XXXX and XXXX. 
My emails have since been blocked by XXXX XXXX and his team and as far as I can tell, no legitimate phone number is available. 
I no longer have any way to contact them. 
The last email I sent them was on XXXX demanding a refund, for the four payments of {$2700.00} each, and account cancellation, but my email address was blocked by XXXX and I never received a response. 
My account has been canceled/blocked as I can no longer log into it, so I can not get any other documentation from my old back office. 
After further investigation on my part, it appears that there are hundreds of other people complaining online about this same issue with XXXX  and warning to stay away from them. 

I did receive two payments from XXXX on : XXXX commission paid to me {$400.00} XXXX commission paid to me {$410.00} These two payments are not part of the 8-weeks of missing payments listed above. 

At this point, after getting paid twice, I paid for these ad programs feeling comfortable they were legit. 
I was given a false sense of security that I would earn a decent weekly payout if I joined these programs. 

I received a 1099 from XXXX XXXX XXXX on XX/XX/XXXX. 
They claim to have paid me {$2400.00} in XXXX but I only received a total of {$810.00}. 
I have all my bank statements to prove this and will be happy to provide them to you if needed. 
I will be filing a complaint with the Internal Revenue Service. 
I have filed a complaint with the Federal Trade Commission against XXXX. 
Report # XXXX Thank you, XXXX XXXX