Capitol One Credit Card Company
Queja 37141 Detalles

My husband and I own our own business. We had several “office” credit cards and we made our office manager, whom we trusted, an authorized user. This was to make it easier for her to make payments and order office supplies. I had one in my name only that had our home address, not the office.
In late January of 2011, I discovered that our office manager had been embezzling, (began in 2007 and continued through 2010) I contacted the Capitol One Credit Card to report the fraud on my card. I confirmed with them that she was not an authorized user. As part of my report to them, I included purchase checks that she had written and signed in addition to personal purchases. The personal purchases included Dish One Network, groceries, paying her auto and car insurance and her property taxes.
Now, the company is saying that she was an authorized user and that all the purchases are our responsibility. This includes all the access checks she wrote. I was initially credited about $8,500.00 while the fraud was being investigated. The fraud person assigned to my case stated he was going to contact her to see if she would reimburse Capitol One. Apparently he was able to speak to her and the next thing I see is that my claim was deemed “no fraud occurred”, the charges are all back. This was after speaking to the “authorized user”.
I then sent a letter to the fraud investigator ( I can provide you with a copy of the letter) with their credit card agreement for purchase checks in which clearly states “ an authorized user cannot transfer money or sign any checks.” ( I can provide you with a copy of this as well) I have not heard a response back from him. Capitol One clearly violated our contract as our office manager was not a card holder. I stated in my letter that Capitol One should not only remove any charges relating to these checks, but to reverse any resulting interest.
We have law enforcement investigating her theft and anticipate charges to be filed within a month or so. I also added to my letter that she has 3 unpaid judgments here for Capitol One Credit Card.
Is there anything you can do to help me in this situation?
Sincerely,
Cathy Foster