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to all who have been victims of credit card fruaud I too was a victim except I did my own investigation and found one person in north Carolina who used the card and as we speak she is being arrested as she was doing it again and again for more than two and half years . her story was that she was in business with people in maylasia and they would send her the cards in her name and she would buy all the hi ticket items that they told her to buy and then sip them to Malaysia and in return she would get $200.00 .

a likely story as I found out that she has about 15 different aliases and 4 diferent face book pages and 20 diferent addresses so she's no innocent victim here she knows exactly what she is doing. anyway here is my point . I received a cap one credit card in the mail and thought that it was a replacement card for the account that I had with them and when I checked it was different so I immediately called cap one ,only to get an Asian speaking person on the phone so I had explained that I did not order this card and surprisingly the agent told me don't worry their are no charges on the account so I should keep the accout and just put a password on the account and it would be fine . so being so busy in my life I said ok .

well that was a mistake as the card had already been used a week before and a charge for $3000.00 was on it with also a $16.00 charge for a rush card delivery. The rush card was for the lady who used the card which I had no idea at the time until I went online and saw these charges on this card and it said the persons name so I immediately call cap one again and had them do a fraud stop on this card and told them to close the account . Once this happened they refused to give me any info about the card so I took matters into my own hands and started doing a socialmedia search of this person and would you believe it I found her and then I went a step further and looked up if she had any criminal history and guess what she did for fraud .

so I called the north Carolina police and made the report and with in a week they had her under arrest. what I am trying to tell everyone is that capital one outsources its customer service dept to the Philippines and maylasia and its probably their own customer service department that is doing this fraud and theres no way to prove it .they look for old dormant accounts of people who don't use their card and they create new account in these peoples name and by the time it is found out it's too late also they can manipulate the info to further hide when their is an inquiry into fraud .and as far as hurting someones credit it doe's even if you are found not liable the hard credit search on your report for that card accually lowers your credit score as I can attest to that so keep very close control on your accounts and report it right away to the card issuer and the police as for a lawsuit good luck with that ,they have so much money you could never win but your can use social media to hurt them and this will work pretty well.

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Reason of review: Problems with payment.

Location: Staten Island, New York

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any financial institution including capital one will remove a fraudulent credit card from your credit report INCLUDING the hard inquiry. You also never have to pay the money.

Legally once you file it as fraud you have to request the information in a specific format or have the police request it for you. Obviously you did not ask the right questions. Go to the FTC website - the Federal Trade Commission and read what your legal rights are instead of accusing honest working people in foreign countries of being crooks.

So you must be a wiseguy or a crook from Staten Island huh? We see where you live, lots of crooks in NY.

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