Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid 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:
On XX/XX/XXXX XXXX XXXX XXXX using a POS as a Cash Advance for the amount of {$450.00} off my Capital One Card, which was reported by me the same day as Fraudulent to Capital One Fraud Division. My Capital One Card was cancelled and a new card was issued. I called XXXX XXXX XXXX headquartered out of XXXX, TX, but kept getting the run around with out of country phone Representatives from this Company. Then XXXX XXXX XXXX charged me from my own debit card with XXXX XXXX XXXX XXXX, 2 charges of {$53.00} then {$100.00} twice. Now someone had actual access to my personal checking account via my Debit Card. So I called XXXX and informed them of this fraud which they handled immediately and credited back my account all the 3 charges, shut down that account and opened a new one. But when a New Debit Card was issued XXXX XXXX XXXX with an agreement with Visa called in to get the New Debit Card Number and then I placed a Stop Payment on this charge with XXXX. But I had to wait for Capital One to resolve this matter with them. I was credited back the whole amount of {$450.00} until the fraud case was settled. I did not use this credited amount as in this day and time you can not trust anyone especially companies you can not speak to in person which includes Capital One and XXXX XXXX XXXX. My credit information was exposed by XXXX in a Breach in 2017 and I am still having problems. I have an arbitration going on with XXXX right now as we speak, and a month ago was informed by XXXX XXXX who I use to monitor my credit information, that my information was sold on the Dark Web. I informed Capital One of this and their representative said That is not any of our concern and it has no relevance to my fraud case! But it does because I did not conduct business with American First Finance EVER. I sent multiple letters to XXXX XXXX XXXX, finally as a settlement from XXXX XXXX XXXX they agreed to pay me {$600.00} for my inconvenience and not fight any of the Fraud Charges I had with either Capital One nor XXXX, so both of my own Institutions should refund all the money taken from any account by XXXX XXXX XXXX ( side note XXXX XXXX XXXX is being sued in 4 large Class Action Lawsuits as we speak in California, Texas, Washington XXXX, and Oregon for fraudulent activities and illegal ways of doing business ). XXXX has completed their investigation and all monies from XXXX XXXX XXXX is back in my account. But XXXX XXXX weeks ago ( before XXXX XXXX XXXX XXXX XXXX me ) Capital One sent me an email stating these charges were valid and I did make a purchase. I called in multiple times since to talk to the Fraud Department that states on XXXX XXXX XXXX XXXX XXXX sent in a statement to Capital One stating I leased a mattress from a business and financed it through them. But I told Capital One Representatives multiple times that I was not the actual person that this transaction was was done by and this letter was sent to Capital One before I settled with XXXX XXXX XXXX and to reinvestigate it. Capital One refuses to reinvestigate it even to this day. But yesterday I received a letter from Capital One about the Fraud Case and it has the case number at the top of this letter. That Capital One had investigated this Fraud Charge and I was not liable for these charges. I finally was relieved this was over. But the amount of this charge had not been credited back to my account. So I called into Capital One today XX/XX/XXXX and asked about it. Now today Capital One states this letter was a generic letter sent out on how Capital One views Fraudulent Charges, not sent out specifically in my Fraud Case. I told the representative that this was a complete lie and XXXX XXXX XXXX had settled with me to not refute any charges as they are fraudulent ones, and this letter had a case number to reference this particular charge {$450.00} and not a generic letter sent out. Capital One refused to change their stance on this XXXX XXXX and demands I pay them. I have copies of all the above referenced information back and forth from Capital One, XXXX, XXXX XXXX XXXX, and myself I told them I was willing to send them. Capital One said this morning no matter what I sent in that this case was closed and for me to pay it. Capital One is trying to steal money from me based on nothing but one letter sent before any settlement was reached between myself and XXXX XXXX XXXX and will not reopen anything. Please correct this problem. When I told the Capital One Representative I was recording this phone call this morning he hung up. While Capital One records all phone calls. This is an indication the capital one does not want others to know the length they go to so they can steal from people. I am a XXXX veteran living off XXXX so this money is important to me as is my Great Credit. Please help me! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation