Capital One Credit Card Complaint

Capital One Credit card department,

Credit card protection / Debt protection New Jersey

I have - credit cards with Capital One Bank. They say they have a fraud protection department but I have been fraudulently charged at least - and never contacted by them. The - incident occurred -/-/- when - of my cards was charged about - times by someone who charged between $50.00 and $150.00 each time over a - period using several foreign banks. Just by chance, I discovered the charges and took the information to my local Capital One Bank branch. They agreed that fraud had occurred and immediately contacted their main office. Granted, over the course of time most of my money was returned but why was I never contacted by the Capital One Fraud Department? And more importantly why was I never put on a watch list at Capital One as a client where fraud has previously occurred ; had this been done perhaps the -/- incident would never have occurred. In this day and age such a list is important, as an example Homeland Security just yesterday informed me that my personal information had once again been compromised. I regard the Capital One Bank Fraud Department as a terrible service! The next time occurred -/-/- when


an investment but it has been reported on TV news that banks such as Capital One make lots of money selling this information. At any rate I agreed to the training which had been tailored to my needs. The - salesman said he had sent me by e-mail ( he already had this info ) a copy of the training service that we had just discussed and asked me to sign it. Under the pressure of him still on the line my bad '' is signed his e-mail. Later I found out that the email had very little to do with training but was a contract where - promised nothing but a QC Code and a Virtual Platform both available for FREE on the internet. So I agree I was scammed by that - move but surprised by the reaction of Capital One Bank. When I agreed to the Training from - I used - of my Capital One credit cards but it had limited funds. I informed - of this fact and explained that only $1400.00 could be charged at this time and since this agreement was only for training that when this amount had been used up that perhaps I would have additional funds for use to complete the training. After the fact, I later discovered that - had again contacted Capitol One Bank and they agreed to allow an additional charge that overran that card by $1100.00. When I contacted - -, assigned by Capital One to operate on their behalf, she informed me by letter that even if there is not enough available credit on a credit card that Capital One may honor transactions above the credit limit! '' She also stated that Capital One complies with all Federal Guide Lines '' and that these guidelines are fair to both the card member and the merchant! '' Since Capital One make a lot of money by charging the cardholder for overcharges this to me is clearly a conflict of interest '' and totally not fair to cardholder. Never did I give either IR nor Capital One the right to make this - charge, I have asked - to provide me a document signed by me allowing Capital One without impunity to make such charges and so far has refused this request. I have also contacted the - ( - ) about this matter and of course they protect their subscriber. The - advertises that they inform the consumer about the practices of their members. '' The problem here is that they charge companies to be a member of the - and do n't want to loose paying members. This is a complete conflict of interest! '