Consumer complaint received 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, I have fraudulent charges on my credit card and I reported this to Capital one in XXXX when it happened and on XX/XX/XXXX that it was resolved and either I or someone that I know benefited from this charge. I was not there and even the state has had to come in because I keep being robbed by XXXX XXXX XXXX aides and adult social services was called by someone so I am not lying when I say the charges are fraud and Because the card was put back in my possession they are saying that I made the purchase. I did not, XXXX XXXX XXXX XXXX XXXX  and in XXXX restaurants, bars, or XXXXXXXX XXXX  are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I wasn't there, XXXX XXXX XXXX, I am in There is no way I can go into any of those places as XXXX is not XXXX XXXX XXXX place. Every month capital one has put late charges and finance charges on my account for these disputed fraudulent. I was told that I had to go outside of Capital one to get help for those fraudulent charges. The whole reason to get the card was customers would not be held liable for unauthorized charges and I didn't authorize those charges. I thought I was protected from things like this. If an aide uses my card and puts it back, what am I supposed to do. The aides know I suffer from confusion at times due to my XXXX XXXX XXXX and they take advantage, because i won't remember that they had my card to make a purchase for me from the store or a concession stand. NYS department of XXXX XXXX XXXX can verify that I have been having issues with all sorts of issues with theft with these XXXX XXXX XXXX aides that agency sends. They received anonymous tips that this was happening to me and started an investigation without my knowledge. This thing is affecting my credit report as well as putting bad marks on my account. I have never paid finance charge or a late fee and they keep charging these fees every month while they purchases were in dispute. It is not fair. i asked to speak to legal and was told I could hire an attorney and take care of it outside of capital one. It has to be illegal to make false reports to the credit bureau as the balance left isn't mine. Yet, they have been doing it every month. They did not help me and left me stuck with this charge and providing none of the services in their terms and conditions/Help. I need help as I don't know what to do and I have hit a brick wall. I read the terms and conditions and no where does it say what the rep XXXX in the fraud department. XXXX told me that I need to contact attorney for help XXXX captial one does not handle fraud with the card back in my possession. No where in the terms and conditions does it say that and when I said it to latania and asked for legal, she told me to contact an attorney and that they don't have a legal dept. Now I am stuck with a charge I didn't make and I've never called capital one about this type of stuff ever. I pay my bill in full every month before its even due. I feel that they're not following their contractual obligations that they made with me when i agreed to open a line of credit with capital one.

Company response to consumer: Closed with explanation