Reply to Capital One 360 dispute

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[quote=Anonymous]My debit card was used fraudulently on 2 paypal transactions.  Capital One 360 was quick to refund my account, but on the second charge they reversed their initial decision and had re-withdrawn the money from the account.

Both fraudulent transactions had "PAYPAL" on the transaction info.  One said "PAYPAL UBER" and the other said "PAYPAL CENGAGLEAR."

I did not tie either my capitalone account or paypal to my uber account, so this alerted me to the fraud.  As for the second one, I had never heard of them, didn't recall a charge on that day, and I've never heard of "CENGAGLEAR."  I called paypal and looked at my paypal transaction history for the last month, and NONE of my transactions matched either the amount or the vendor name in the past year.  I don't even have my debit card linked to my paypal account.

Now capital one doesn't want to put the money back into my account because apparently the vendor "had my address."

I asked the rep for vendor information, and all he cold give me was that the vendor was based in Nebraska and a phone number.  When I called the phone number, it was the number to paypal.  And as I mentioned before, paypal has no record of ANY transactions with my account on that day.

The rep said he couldn't put me in touch directly with the Dispute Team.

I'm in the process of closing my Capital One accounts, and I cancelled my debit card.  I don't feel safe keeping my money with them anymore.  Out of principle, however, I was wondering if anyone here knows how I should escalate the dispute.  Apparently, Capital One can't do anything more with the dispute, like reopen it.  I have to wait for a letter from them to come in the mail, which gives reasons for why the dispute was not ruled in my favor, THEN apparently I need to call them again to figure out if the dispute can be reopened.

WTF.  What are my next steps?  [/quote]

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