Capital One Credit Card Complaint

Capital One Credit card department,

Credit card protection / Debt protection Pennsylvania

On - -, 2016 I discovered my secured Capital One credit card had been compromised and there were several unauthorized transactions posted to my account. I immediately contacted Capital One and was transferred to the fraud department. I explained to the customer service representative I spoke with the situation and was repeatedly reassured by her that I was 100 % covered by Capital One 's fraud protection services. The customer service person I spoke with was polite, apologetic, and extremely helpful. She noted all the unauthorized transactions, noted that I made contact with Capital One, and noted that none of the unauthorized transactions should count negatively toward the account since it was a secured card - and then read her notes back to me to be sure she had not missed any transactions. She closed out the card with the fraudulent card activity and reissued me another card. I was provided with a claim number for the fraudulent activity.


was a secured card and it had been closed. He stated the reason was due to one of the unauthorized transactions reported just a few days earlier. I tried to explain to him that the transaction was not authorized or initiated by me, but he continued to state it was company policy for secured accounts to be closed when this type of transaction happens and began insinuating that he did not believe the transaction was fraudulent or unauthorized. He informed me that I " could not provide any documentation to prove that I did NOT complete the transaction ''. He was extremely rude and condescending. I informed him the person I spoke with when I reported the fraudulent activity had told me that none of the unauthorized transactions would be held against me, but he just repeated the above statement and kept saying it was " company policy with secured accounts ''.