Capital One - Fraudulent Transactions

My husband and I were going on holidays in December of 2011. Our payment due date for our Capital One MasterCard is December 12. Not wanting to be late with a payment we mailed out two checks early in our own envelope. One check from our bank for the amount of $280.00 that was due on the 12 of December and an additional check for $500.00 from Canadian Tire. Both checks had our name and address on them as did all the checks sent to Capital One in the year 2011. Nothing was done differently. On December 05 our checks for $280.00 was withdrawn from our account and December 06 the $500.00 check was posted to our Canadian Tire account.

These checks that total $780.00 have never been applied to our account as of date. The next statement that arrived said we had missed a payment and we had in fact paid early. Customer service was worse than nothing for helpfulness. Payment investigations is a laugh. We were given a man by the name of Mike (I'm sure that is his real name) who called me and gave me a fax and phone number to get ahold of him. The only problem is the number and extension he gave us just goes to an answering machine and the messages are not acknowledged. The Ombudsman must be related to Mike, they are just as helpful. Who would have thought these thieves would have created this? Shame on the ** who represent Capital One. Take off that veil from your face so you can find the missing checks that you lost on purpose so you could charge illegal interest. Double shame.

I was using Capital One and never had a problem with the card before. Well, AOL went ahead and tacked on the same charges. I told them to cancel in October, for November, so I called both the card and AOL and was told this was settled.

Until the next month where I was billed by Capitol One again, this time with interest. I got on the phone again with both parties on a 3 way call and was told again it was settled. But the next month, the credit card sent another bill with late charges. So I got on the phone with the credit card again and they sent me verification from AOL that the charge from November was wrong and not valid. Last week, I got another charge from Capital One. The bill is escalating and I'm a senior and have been annoyed enough.

I have cancelled the card, but no matter what the operators tell me, the escalating bill for a charge that was false in the first place, keeps coming. I have no faith in anyone I talk to at Capital One anymore. This is borderline harassment. I have proof they sent me notice from AOL that the charge from November was wrong, but when I called the number, the card refuses to erase the charge from the system. As long as that escalating charge is there, I'll keep getting a bill. Help me. Please.

Capital One Auto Finance is currently reporting a fraudulent Capital One auto loan in my credit file. I have provided this company with a copy of the police report in which the account was established fraudulently and other documents to provide my proof of innocence. However, Capital One Auto Finance continues to report this fraudulent account in my credit file. My SSN is ** for account verification.

On September 1, I received an e-mail from Capital One saying there was possible fraudulent use of my Visa card. They read off the recent transactions, and sure enough, there were two of them, both for around $500 in Illinois (I live in NY), that were fraudulent. I called the fraud number they had given me in the e-mail, and confirmed that the two charges were fraudulent. CapOne canceled my card and sent me a new one. All good so far, right?

Fast forward to September 19, I checked my statement and there were the two fraudulent charges, with no offsetting credit to cancel them out. So I called CapOne. The customer service rep said, "Oh, yes, there are those fraudulent charges. You should get reimbursed for those". And he handed me off to a Disputes representative. It turned out I needed to ask for a dispute form, then mail it in, and then get the amount credited back to my account. If they can automatically detect fraudulent use (I always admire how their computers figure that out), then they should automatically credit their customers. But the way they do it is just as sleazy as the original fraud perpetrator - taking someone's money and hoping no one notices. As soon as I get it all settled, I'm canceling my CapOne card.

I can't express how disgusted and frustrated I am with Capital One's customer service . I find myself yelling at the top of my lungs and screaming my head off every time I try to prove (for an hour) that I am me to a bunch of outsourcing that has such horrible accents, in which I can barely understand 5 percent of what they are saying. All I was trying to do was inform them that they had made a mistake when resolving a fraud matter and they took the false charge-off on my card twice. So, my balance was zero, but my available credit and total credit were not the same. This does not effect me yet, but the fact is I owe them money and I can't pay it off until they solve their problem. I told them if they wanna keep my balance at zero, that's fine.. I'll take free money, but I better not get screwed later when they realize they made a mistake.

Ying

I had a Capital One credit card account with a $2,300 credit limit and was never late on payments always and I kept my account in good standing.

My card got lost last year while I was out of town and there were many unauthorized charges posted to my account which exceeded by credit limit. Capital One would not take care of any of the charges that were made to my card by the unknown person. When I refused to pay the charges, Capital One then turned my account over to collection agencies and they were harassing me ever since. That company is a joke, so please be careful because they succeeded in ruining my good name and credit.

This company allowed charges that were brought to their attention as fradulent to stand. The charges in question put my account over the credit limit that was set and instead of challenge them and/or dis-allow them they just raised the limit and allowed the charges to stand. After being alerted to the situation they did not take any information that I provided into account when making a decision to let the fradulent charges stand. Capital One is a joke.

A former employee used my card for 11 months before we discovered it. We received a phone call from Capital One leaving a message and telling the office it was a civil matter and left us hanging on the crap statement of not being responsible. I have asked for documentation of such a policy and they won't even return my calls over the past 6 months.

In January of 2004, I had a Capitol one credit card stolen from my vehicle. I was not aware of the situation until I received my credit card statement. I had recently paid off 100% of my estimated $1900.00 credit debt with Capitol One, and was astonished that I was being charged with $3542.90 of transactions. Transactions that I did NOT create, nor did I authorize.

I IMMEDIATELY reported this. Initially, the service reps were kind and helpful. Well, needless to say... that did not last for long. I could spend hours telling you my story, and the daily nightmare that I have lived and endured (still pending I might add) through this unbelievable experience.

The long and short of it all: In America, we are "innocent until proven guilty." Capitol One Credit Card Company does not subscribe to this theory. Capitol One has branded me "guilty" and has forced me to prove my innocence in this matter. Through my own hours of labor, investigation, stress, and financial detriment, I have not only discovered who made these fraudulent charges on my account... I have handed the suspect to them.

Still, Capitol One is holding me responsible for these fraudulent charges on my account. They have attached this to my credit report. I received a letter from another creditor of mine today stating that "the credit terms on my account have been reviewed and will be changing on June 1, 2004." Through further in inquiry it was explained to me that my interest rate on my card will soon be raised by SIX POINTS due to "Serious Delinquincy, and Credit 'Charge Offs'. Go Figure...

I am at my absolute wits end. I see no end to this HORRIBLE injustice. I will not rest until I am vindicated of this, however, the credit history that I have worked so hard for to achieve...has been DESTROYED.

Kimberly should retain an attorney.