Consumer complaint received 2025-07-01 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: VA

Complaint narrative:
This is letter which I sent to Capital One XXXX XXXX I'm very disspointed in your service. 
The representative who answered my initial call told me that the only way to make a formal complaint would be by regular mail. 
THIS DID NOT MAKE SENSE TO ME. 
Nevertheless I sent your corporate office a certicied letter which I know you have received. 

All the information of this fraud/scam by XXXX my checking account is in the letter below. 


XX/XX/year> To whom it may concern, ( Hopefully a manager or supervisor ) I have been with Capital one for several years. I have a checking, creditcard and auto loan with your company. 
I'm extremely disappointed with your service. 
You have blocked several transactions which I have made in the past when the amount didn't go over {$150.00} dollars. 
This is a service which I have appreciated. 
Yesterday ( XX/XX/year> ) I signed up for a dating site. 
I made the choice to pay {$14.00} per month for this service. 
XXXX Promised a free introduction and pay a monthly fee. 

When I checked my account XXXX minutes after I had signed up for this service, I was shocked to see that XXXX had taken {$700.00} dollars. 
from my account instead of the {$14.00}. 
XXXX does not have a customer service number so I immediately emailed them to let them know that they had made a mistake. They did not answer until the XXXX XXXX later. 
I also called Capital One immediately to let you all know of this fraud/scam on my checking account. 
The customer service representative who answered told me that there was nothing she could do until the payment posted. 

This is what I don't understand. 

I'm calling Capitol One to report a valid fraud/scam on my account and you do nothing but you have blocked other valid transactions? 
To add insult to injury, Capital One doesn't have an email where your clients could send you quicker information about critical issues such as mine. ( I found out today XXXX ) from a representative that there was an email after all ) Your company really needs to better train your customer service representatives. 


I received an email from XXXX XXXX XXXX later on XXXX that instead of fixing this mistake which they manufactured, they will not refund my money. 
Normally when companies charge large amounts for their service, there is a receipt or documentation. 

I NEVER RECEIVED ANYTHING FROM XXXX. 

This means I'm going to have to fight fto get my money back which was taken without my consent or permission. 

I was ready to call your dispute department on Wednesday morning ( XXXX ) to dispute this fraud but when I looked into my account, this transaction from XXXX had completely dissapeared. 
My money was in the bank minus {$20.00} dollars. 
I thought that your company had fixed the problem and then on Saturday XXXX I looked in my account and the {$700.00} was again taken from my account from XXXX. 
I immediately called and started the dispute which I had planned to do on Wednesday. 


I believe that indirectly Capital One becomes complicit in this fraud. 

By Capital One not having a mechanism in place to stop this transaction from going forward when a client calls you to let you know that there is fraud /scam going on, you are enabling companies like eharmony to continue with their criminal activities. 

I'm living paycheck to paycheck and will not sign up for a XXXX XXXX subscription to a dating site which is what XXXX is claiming. 
XXXX is manipulating their subscription site so that people are charged more than what they had signed for. 

I have contacted and reported this fraud/scam to the attorney general of Virginia, XXXX XXXX police department XXXX BBB and have sought legal assistance about this criminal activity on my account and how Capital One failed to stop this transaction from going forward. 


I look forward to your positive response about this matter and how you can make this wrong right! 

Sincerely, XXXX XXXX XXXX XXXX CC : Attorney General of Virginia XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX  - XXXX

Company response to consumer: Closed with explanation