Consumer complaint received 2026-03-30 00:00:00
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
State: TX

Complaint narrative:
CAPITAL ONE PROVIDING INADEQUATE RESPONSES TO FRAUD CLAIM - SIXTH DENIAL I am filing this as a NEW complaint because Capital Ones XX/XX/XXXX response to my previous complaint ( CFPB XXXX XXXX ) is inadequate and demonstrates bad faith. BACKGROUND : I was defrauded by XXXX XXXX for {$8100.00} on my XXXX credit card ( two charges : {$4000.00} on XX/XX/XXXX and {$4100.00} on XX/XX/XXXX ). FEDERAL COURT HAS CONFIRMED THIS WAS FRAUD : XXXX XXXX XXXX, XXXX XXXX XXXX California XXXX : FTC XXXX XXXX XXXX XXXX, et al. Permanent injunction and monetary judgment entered Court findings : Fraudulent business practices and deceptive operations Federal receiver announced no victim distribution ( XX/XX/XXXX ) TIMELINE OF DENIALS : When XXXX owned account : XXXX. XX/XX/XXXX : Denied - no fraud occurred XXXX. XX/XX/XXXX : Denied XXXX. XX/XX/XXXX : Denied After Capital One acquired XXXX ( XX/XX/XXXX ) : XXXX. XX/XX/XXXX : Denied XXXX. XX/XX/XXXX : XXXX. XX/XX/XXXX : Denied again ( CFPB XXXX XXXX ) SIX DENIALS of federally-confirmed fraud. CAPITAL ONES XX/XX/XXXX RESPONSE IS INADEQUATE : XXXX. ADMITS SHELL GAME BETWEEN ACCOUNTS Capital Ones letter states : We transferred your account ending in XXXX to XXXX. This transfer changed the account number, and terminated your previous card, however the account was not closed. This is exactly what I complained about. When XXXX denied my fraud claim on Account XXXX, they closed it and moved the disputed debt to Account XXXX to avoid proper investigation. Capital One is now admitting this shell game and claiming its legitimate. This violates FCBA dispute process requirements. 2. CLAIMS INVESTIGATION PROCEDURES ARE CONFIDENTIAL Capital One states : The procedures Capital One has in place are confidential and proprietary to Capital One and are not shared with consumers. This is unacceptable under Fair Credit Billing Act. Banks must conduct reasonable investigation and provide findings. Capital One can not hide behind confidential procedures to avoid : Explaining what investigation they performed Addressing federal court evidence Providing any details of their findings XXXX. COMPLETELY IGNORES FEDERAL COURT EVIDENCE Capital Ones XX/XX/XXXX response makes XXXX mention of : XXXX XXXX XXXX permanent injunction Federal Trade Commission enforcement action Court findings that XXXX operated fraudulent scheme Receivership confirmation of no victim distribution A federal court has proven XXXX XXXX operated through fraud and deception. Capital One can not simply ignore federal court findings. 4. NO INVESTIGATION DETAILS PROVIDED Capital One provides : No explanation of investigation performed No merchant documentation reviewed No analysis of federal court evidence No explanation of why federally-proven fraud is valid Just claims we believe the transaction is valid 5. CLAIMS PREVIOUS RESPONSE FULLY ADDRESSED CONCERNS - FALSE Capital One states their previous responses addressed my concerns. This is false. Their previous responses : Never mentioned federal court case Never explained investigation procedures Never provided investigation findings Just repeated transaction is valid without explanation WHAT MAKES THIS BAD FAITH : I have provided : Federal court permanent injunction Court findings of fraudulent operations Receivership documentation showing no victim recovery Proof I was early FTC reporter ( helped trigger investigation ) Capital One has provided : We believe its valid Our procedures are confidential Previous response addressed this No actual investigation details No response to federal court evidence MY TOTAL XXXX FRAUD LOSSES : Wire transfer : {$30000.00} ( permanently lost - receivership has no funds ) Credit card ( Capital One/Discover ) : {$8100.00} ( being denied ) Total : {$38000.00} I have already permanently lost {$30000.00} to this federally-proven fraud with no possibility of recovery. Capital One should not compound my victimization by refusing to remove the {$8100.00} in credit card charges from the same fraud scheme. WHAT I AM SEEKING : XXXX. Remove all XXXX XXXX charges ( {$8100.00} total - both accounts ) XXXX. Require Capital One to address federal court evidence ( not claim its confidential ) XXXX. Refund all interest and fees charged on fraudulent debt XXXX. Correct credit reporting on both accounts ( XXXX and XXXX ) XXXX. Written confirmation charges were fraudulent and accounts cleared XXXX Ones pattern of denials ( XXXX total between XXXX and Capital One ) despite federal court proof demonstrates systematic failure to properly investigate fraud claims. I am requesting CFPB intervention to ensure Capital One : Properly investigates fraud backed by federal court evidence Can not hide behind confidential procedures to avoid accountability Removes fraudulent charges confirmed by federal court Stops using shell games ( moving debt between accounts ) to avoid investigation Previous CFPB Cases : XXXX ( closed inadequately ) XXXX ( inadequate response XX/XX/XXXX ) Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation