Consumer complaint received 2025-07-04 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: CA

Complaint narrative:
Dear Capital One Dispute Department, I am writing to formally follow up on my dispute regarding {$4700.00} in fraudulent charges ( Case XXXX XXXXXXXX ) associated with the company XXXX XXXX XXXX 

To date, I have sent three written dispute letters ( mailed via certified post ) on XXXX, XXXX XXXX XXXX. Despite these efforts, I have not received a substantive response or resolution. This is unacceptable given the clear evidence of fraud.

Per Regulation E ( EFTA ) and the Fair Credit Billing Act, Capital One is legally required to : * Acknowledge receipt of my dispute in writing within 30 days.

* Complete an investigation within 90 days.

* Provide provisional credit if the investigation exceeds 10 business days.

To date, none of these obligations have been met. 

I demand the following by XX/XX/XXXXXXXX XXXX XXXX Written confirmation that my dispute is under review. 
* Immediate provisional credit for the charges I didnt make.

* A detailed update on the status of your investigation into XXXX XXXX XXXX. 

If I do not receive a response by XX/XX/XXXX, I will : * File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
* Report this matter to the Federal Trade Commission ( FTC ). 
* Consult legal counsel regarding XXXX XXXX violation of federal consumer protection laws. 

Dear Capital One, Subject : Formal Dispute of Fraudulent Charges To Whom It May Concern : Letter Summary : Dispute of Fraudulent Charges Key Points of the Dispute Dispute of {$4700.00} in unauthorized charges. 
Charges attributed to a scam by " XXXX XXXX XXXX. '' The card was provided under a false business arrangement. 
Several attempts to contact the company were ignored. 
Legitimate charges were limited to rideshares, food, and public transport. 
Request for a full investigation and removal of fraudulent charges. 
Request for confirmation of reversal of charges and clearance of debt. 
Request to remove negative marks from the credit report. 
Request for refund of late fees. 

Timeline of Events Date Event XX/XX/XXXX The card was provided by " Scaling With Sales. '' XX/XX/XXXX First dispute opened with Capital One. 
XXXX XXXX XXXX dispute opened with Capital One. 
XX/XX/XXXX XXXX XXXX ( alleged XXXX  ) threatened legal action. 
XX/XX/XXXX Attempt to convert digital evidence ; Capital One 's link expired. Another dispute opened. 
XX/XX/XXXX Spoke with Capital One tech support. 


Personal and Financial Context Financial loss in a toxic relationship.

Closure of non-profit teaching fellowship, loss of stipend and housing. 
Unsuccessful dispute with an XXXX XXXX  company. 
Strained relationship with mother due to financial issues. 
The dispute is a significant distraction. 

Requested Actions Full investigation of fraudulent charges. 
Removal of {$4700.00} from the account. 
Written confirmation of charges reversal and account clearance. 
Removal of negative marks from the credit report. 
Refund of late fees. 

I am writing to dispute fraudulent charges on my account totaling {$4700.00}. These charges are not mine, and are the result of a scam perpetrated by a company called " XXXX XXXX XXXX. '' On or around XX/XX/XXXX, I was provided this credit card by " XXXX XXXX XXXX '' as part of what I believed to be a legitimate business arrangement. I later discovered that the card was already nearly maxed out with charges I did not authorize or make. The company has since become unresponsive after I discovered and confronted them about the fraudulent nature of their operation. 
This is my fourth ( or fifth ) such attempt to resolve this issue. I admit that I made a few charges on the card out of desperation and necessity, such as ordering a rideshare, food, or public transportation. The only legitimate expenses were those. I am not liable for the remaining {$4700.00}, which constitutes fraud. Nonetheless, I still paid late fees. I am requesting that I be refunded for the late fees, due to the fact that I was obviously scammed. 
I am requesting a full investigation into these fraudulent charges. Please remove the amount of {$4700.00} from my account and confirm in writing that these charges have been reversed and that my account has been cleared of this fraudulent debt. Please also confirm that any negative marks related to this fraudulent activity will be removed from my credit report. 
I remember reading on XXXX that XXXX XXXX XXXX is a fraudulent company with people commenting on how they were scammed by the company. They went into specific detail on how they were personally scammed and lied to by the company. I learned that the company is based in Florida, and the heads of the company are XXXX XXXX and XXXX XXXX. The company also frequently changes its name. 
On XX/XX/XXXX, XXXX XXXX, whom I believe is the XXXX  of the company, texted me and informed me that his company would sue me for a violation of some contract. I did not take the matter seriously, because he was reacting to the fact that around XXXX that year, a few weeks earlier, I opened my second dispute against Capital One. I also didnt pay much attention, because I was ending the toxic relationship in which I lost a large sum of money, and was put in credit card debt to XXXX XXXX XXXX I later texted him, and he completely ignored me. I then contacted the company via the Slack messaging app, but I was also ignored. I called and left messages, still no type of reply. As you see here, all attempts to contact them on how to generate income or simply ask what was going on went unanswered. 
Around XX/XX/XXXX, I was supposed to convert the digital evidence of their fraudulent activity from one digital format into PDF form. I was unable to complete this task, but when I tried, the link Capital One sent via email had expired. I had to start from scratch. 
I first opened a dispute on XX/XX/XXXX. I was then unsatisfied. So around XXXX, while I was on the yard during PE with the 5th grade class that I work with, I work as an Instructional Support Specialist, I called Capital One tech support to reopen the dispute. I then tried again in XX/XX/XXXX, then on XX/XX/XXXX, I spoke to a tech support representative about the pressing matter. 
I am doing this in the midst of intense financial, personal, and career challenges. I was in a toxic relationship in which I lost a large sum of money to a gold digger, and my non-profit teaching fellowship announced that on XX/XX/XXXX, the program will shut down due to corruption and bribery, and a loss of sponsors and funders. With that being said, I lost my housing and living stipend. Instead of me having a stipend that covers about {$1700.00} for my rent, I no longer have that provided to me. The money that I would spend paying off the Capital One credit card that a fraudulent company gave me, should go to me paying my rent, my bills, student loans, my other credit card debt, and other important things. 
My mother and I were also involved in a dispute with an XXXX XXXX  company that didnt honor its contract, and took advantage of us. I was supposed to be refunded {$4700.00}, which would significantly assist me in eliminating my credit card debt. However, the fraudulent timeshare company had the matter resolved in their favor. My mom was supposed to be refunded {$990.00}. This is extremely upsetting. 
Due to the relationship in which I was financially taken advantage of, it significantly affected my relationship with my mother. I am still trying to repair our broken relationship. Despite my obvious shortcomings, tribulations, and transgressions, she still loves me with all her heart. This incident with my greedy and selfish ex girlfriend has traumatized me. No disrespect to military personnel, or XXXX XXXX XXXX, or other types of XXXX. XXXX  is a serious issue within all societies. 
This XXXX XXXX XXXXCapital One episode is having a major drawback for me. It serves as a distraction. It distracts me from school, work, life, relationships, etc.

Imagine if you were looking for a job in the summer, when the school year ends, and you come across a company like this. Putting yourself in my shoes and showing empathy is the best way to display emotional intelligence.

Thank you for your immediate attention to this serious matter.

Dear Capital One Customer Service, I am writing to request that you reopen a dispute regarding a credit card that was issued to me by XXXX XXXX XXXX  on XXXX. I have strong reason to believe that XXXXXXXX XXXX XXXXXXXX is a fraudulent company. 

Upon receiving the credit card, I discovered that it was approximately 90 % charged, with a limit of {$5000.00}. I am requesting that the full amount of {$5000.00} be credited back to the card. 

Due to intense personal and financial difficulties, including a {$6000.00} credit card debt with XXXX XXXX incurred while financially supporting an ex-girlfriend, I am unable to make the {$49.00} minimum payment on this credit card. 

On XXXX, I received a text message from a company representative named XXXX XXXX, threatening to sue me for violating a contract. Confused by this message, I sought information online and discovered that XXXX and his business associate, XXXX XXXX, may be operating a fraudulent business or engaging in illegal activities. 

I attempted to contact XXXX via text, phone calls, and Slack to resolve this issue, but all attempts have been ignored. I am feeling confused and scared, and I believe it is unjust to be held responsible for charges I did not make. 

I kindly request that you investigate this matter thoroughly and take appropriate action to resolve it. I appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation