Consumer complaint received 2023-11-29
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 (FL)

Timeline of Events XX/XX/2023 received e-mail from XXXX XXXX that they were in possession of my resume, that I was under consideration and was asked to answer some general questions. The email outlined the compensation package and that I would receive a response by XX/XX/2023. 

XX/XX/2023 received email from XXXX XXXX offering me the position of XXXX XXXXXXXX with XXXX XXXX along with XXXX attachments including, Companys history, job description and payroll form. It was a remote position with an estimated start date of XX/XX/2023 XX/XX/2023 I did my Due Diligence including reviewing web site, web search for fraud/complaints, confirming provided XXXX with the NY XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX. None showed any discrepancies. 

XX/XX/2023 I sent XXXX XXXX an email accepting the position. 

XX/XX/2023 I received a telephone call from XXXX XXXX welcoming me to the company, reviewing the next steps, the equipment needed to do the job, the pay during the XXXX week training period and that she would be my supervisor. 

XX/XX/2023 received another telephone call from XXXX XXXX that if I used my credit cards for the purchase I could additional compensation in the form of commissions. I declined, stating that I would not fund the purchases. They would need to be pre-funded. 

XX/XX/2023 I received a XXXXXXXX XXXX  Routing # and Account # to pay off one of my credit cards so I could make purchases of XXXX Laptops, XXXX  and watches off a provided list. I used the account to pay off XXXX card in the amount of approximately {$5900.00}. The confirmation # is XXXX. 

XX/XX/2023 -the CapitalOne website showed that they received payment and showed a {$0.00} balance. 

XX/XX/2023 I called CapitalOne to confirm that the card was in fact paid off and was authorized to use the full amount of credit. I wet and made purchases in the amount of {$570.00}. 

XX/XX/2023 I notified XXXX XXXX, via email, that I made some purchases. XXXX XXXX provided me with shipping labels to XXXX the packages. I provided XXXX XXXX with a copy of the XXXX confirmation. 

XX/XX/2023 I received an email from XXXX XXXX advising me to pay off the card again using the XXXX XXXX account provided. 

XX/XX/2023 I made another purchase using the same procedures as above. 

XX/XX/2023 I received notice from CapitalOne that the XXXX payment was returned. I notified XXXX XXXX via phone & email. XXXX XXXX provided a XXXX XXXX XXXX  account for me to pay off both purchases plus fees. She assured me that this time the payments would go through. 

XX/XX/2023 XXXX XXXX emailed me again assuring me that this account was well funded and the payment would go through. 

XX/XX/2023 XXXX XXXX emailed me asking me for the total card charges and that she would make sure that the account was sufficiently funded to cover the charges. I complied. 

XX/XX/2023 the payments were returned for the second time. I notified XXXX XXXX by email. She did not answer her phone. 

XX/XX/2023 I tried calling, emailing and texting XXXX XXXX over several days with no response. 

XX/XX/2023 I texted XXXX XXXX that if she did not respond to any of my correspondences that I would report this to the authorities, including the FBI. 

XX/XX/2023 I received an immediate response from XXXX XXXX that the company was in Bankruptcy, that they terminated more than XXXX people from their NY XXXX and that I can do as I think is right. 

XX/XX/2023 - I notified CapitalOne and XXXXXXXX XXXX of the potential scam. I filed an IC3 Complaint Form. I filed a complaint with the NY an FL Attorney General offices. 

I have maintained copies of all correspondence, both email and text, purchase list, purchase receipts and XXXX shipping confirmation numbers.