Consumer complaint received 2025-11-08 00:00:00
Product: Credit 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
State: IL

Complaint narrative:
XXXX XXXX- I have been a custober for over 40 years. 
XXXX XXXX XXXX  - Customer for over 30 years Capital One XXXXCustomer for over 30 years Never once did any of these institutions raise any red flags. when the below happened over the course of six months! 

None of these companies acted as custodions for my money. When I reported the theft, all three companies I am XXXX XXXX XXXX. On XX/XX/XXXX, I was contacted by someone who claimed to be from XXXX XXXX  XXXX. He subsequently connected me to a " financial advisor '' from Capital One, XXXX XXXX, and XXXX XXXX XXXXXXXX. This person had told me that my social secuirty number looks like it has been compromised. At the time, what he was saying made sense and I was very scared. I didn't realize I was being conned. This interaction led to me withdrawing XXXX in cash no questiones asked from XXXX XXXX XXXX. Never once did they ask me if someone from a financial institution ( or anywhere else for that matter ). The purpose of the withdrawal was to preserve my savings before my financial accounts were drained by the " scammers '' who had compromised my social security number. 
This all is an elaborate scam and I was fooled. I didnt realize that my brain would betray me, but not one of these financial isntitutions acted in my best interest. Now, I am in debt to these places. A simple check in or a pause on my credit accounts, bank accounts could have prevented this. I had been a customer for several decades at all of these institituons along with my wife, XXXX XXXX. Our spending habits reflect two frugal people who never go schopping and pay their bills in full every single month. 

The following is a list of fraud that was not carried out by me nor my wife. I had reported this to the police, to the FBI, to the FDIC, to the Attorney General. I am next going to report this to the OCC & FDIC. I will be reaching out to every social media news outlet that I possibly can find and I will be sharing my story if I do not get help in this matter. 

The following are FRAUD and all of these compaines are denying my claims without even considering who I am as a customer. All of these charges are out of character and at first glance anyone would see that they are suspicious. WHY DIDNT ANYONE HELP PREVENT THIS. 
I am including links to the criminals information that my daughter was able to gather from the records that my wife and I kept. 


These criminals who have done this, who have taken from my mail, and may have been in my home were able to get access to account numbers. 


XXXX XXXX Fraud Charges that they REFUSE to reverese : XXXX XXXX cash advance XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX {$5200.00} Jewelry * * these are very obvious charges * * my wife and I never had out account tied to XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX has these Items-he has already been arrested XXXX, once for theft. He has shell companies and hides his assets in properties. I have alerted the state of florida, the FBI, local police in XXXX XXXX florida and nobody cares. 
XXXX XXXX XXXXXXXX? XXXX XXXX XXXX XXXX FRAUD XXXX XXXX XXXX XXXX XXXX  This is another scammer who claimed to be from XXXX XXXX XXXXXXXX. She is an insurance agent, registered out of XXXX, texas. XXXX XXXX  XXXX did not care when I sent this information. XXXX XXXX  XXXX scammer was able to create an account online, take out $ XXXX of money from a completely EMPTY ( and has been empty since XXXX ) XXXX  account. XXXX XXXX XXXX doesn ; t care. They say that too much time has passed since I reported the fraud. I didn't know about the fraud until XX/XX/XXXX. The fraud occured : XX/XX/XXXX - XXXX {$90000.00} withdrawn from empty XXXX  ( was instructed by XXXX fraudster rep ) to withdraw moneyfor safe move to another account. I didnt not question legitimacy because they were able to elctronically go into my account and take out and transfer funds. 

XX/XX/XXXX - $ XXXX is taken from what is available from XXXX XXXX refuses to invstigate or even engage with me. XXXX failed me as a custoemr when they let me take out huge stacks of cash at their branch without even asking me if I had been contacted by someone from a financial institution and instructed to do this. 
XXXX  is at least partly culpubale for this! AND WHY isn't anyone doing anything when we have the acutal criminals. 

CAPITAL ONE - XXXX XXXX ( my wife and I ) are custumers for over 30 years! 
We reported the fraud and the denied our claim simply stating that someone we know benefitted from this fraud. I don't know the person, but we were able to locate them -- -and we gave the money to capital one : XXXX XXXX XXXXXXXX? XXXX These are the fruadulent charges -- I have asked for a reason and how they arrived at this conclusion and they refuse to even look at store cameras or anything XXXXXXXX XXXX XXXXXXXX ( Again I have never bought jewelry in MY LIFE ) XX/XX/XXXX {$5200.00} - FRAUD -- why am I laible for this?!?!?!?!?! 
XX/XX/XXXX {$3000.00} FRAUD - AGAIN WHY AM I LIABLE FOR SOMETHING I DO NOT HAVE!?!?!!?

Company response to consumer: Closed with explanation