Consumer complaint received 2024-11-14 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: FL

Complaint narrative:
The day XXXX of XX/XX/year>, I received notifications of payment from two different banks, on two different credit cards. The amounts were equal, similar scenario ( Purchase made in two different night club that was closed to the public at that time and day. It happened just after midday ). 
The Banks/ credit card involved are the XXXX XXXX in XXXX XXXX and Capital One in the XXXX. Both cards charges appeared in XXXX XXXX, one night club is located in XXXX, and the other night club is located in XXXX XXXX. The XXXX Card has been used in the XXXX 's establishment and the Capital One card has been used in the XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 

I'm the XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX in the XXXX, and we are actually in XXXX XXXX for our activity. Both Credit Card are in my name, but the XXXX card is my personal account card, and The CAPITAL ONE Card is issued on the boat business account : is the card that I use to pay purchases for the vessel needs. They are never used together in the same place, is either a personal purchase or a business one. The only place were they are together is my wallet. 

At XXXXXXXX XXXX I received a call from the antifraud service of XXXX XXXX, because of a suspect purchase on my personal card. I immediately asked to block it but unfortunately in the mean time another purchase has been made ; XXXXXXXX XXXX XXXX the first and XXXXXXXX XXXX XXXX  the second one. I immediately run to the nearest bank office to show my credit card and my ID. The place is at about XXXX XXXXours of XXXX XXXX XXXXXXXX and about XXXX hours away from XXXX XXXX. My case in XXXX XXXX has already been partially solved, one purchase has been refund and the second is still in process of investigation. 

At XXXXXXXX XXXX I received a message from the manager of the vessel, asking to approve a purchase on the Capital One card. I declined as I did not reckon the charge and the card has been blocked to prevent further charges.

And here is the point : Despite I declared that the card has never been given to any other person of the company or outside the company, and I never moved away from the vessel that day. Despite I have exactly the same fraud ongoing on another card, in a different town, with the same scenario, exactly the same amount, CAPITAL ONE DECLINED MY CLAIM, DECLARING THAT THEIR CHIP IS ABSOLUTELY IMPOSSIBLE TO REPRODUCE AND THE CARD HAS BEEN PHYSICALLY USED IN BOTH OCCASION. 
I tried all steps that Capital One offered me, but they still do not accept my reasons and they closed the case debiting my account for an amount of XXXX USD and XXXX USD, so I asked them to prove that somebody at that time and day has been using the card. I do not know that place, I had to use XXXX to find out where it is, and XXXX indicate that the place is closed that day and at that time. It works only during weekends. I'm sure that my identity and cards have been somehow stolen/cloned, but Capital One keep saying that their cards are impossible to reproduce. 
I'm attaching to this mail all the copy of notifications that I received from the two different banks and the letter I sent CAPITAL ONE signed by my crew, declaring that I did not move from the vessel that day. 

Hoping to hear from you soon Kind Regards

Company response to consumer: Closed with explanation