I have a Sparks Business Card issued from Capital One that had been inactive for 3+ years. In 2012 I hired an office manager that I didn't know was dishonest. Basically she activated the card, requested a PIN and went right to 2 ATMs. This employee used the card for 18 months, paying it off each month with the company checking account. The moment fraud was discovered, I contacted Capital One and they have been nothing but DIFFICULT to work with. Although the card was stolen - she was never issued a card or even handed a Capital One card to use - the card was stolen. They told me that this employee was like "my daughter" and they weren't going to offer any kind of restitution. We feel that capital one has been negligent and hasn't protected me for the following reasons: 1. As a SPARKS card holder I am guaranteed FRAUD ALERTS. I never use PIN numbers and ATMs. This card had been inactive for 3+ years, was stolen and a PIN requested. Their disclosure says that they will contact me for “unusual activity.” This was unusual activity and is negligence on the part of Capital One. 2. There were several times over the last 18-months when the payments on this card were late, funds were not available and credit card limits exceeded. By law, Capital One is required to only discuss collection efforts with the primary card holder only. I was never contacted? This could’ve saved months of fraud. 3. Capital One, VISA and their merchants have accepted this card time and time again without verifying the identity of the card holder, matching of signatures or whether this user was even authorized to use this card. I was not protected by their merchants. Many of these charges are for large amounts and no ID was requested. This too could’ve saved months of fraud. 4. As I have assisted the Salt Lake Detectives in gathering as much information on this case as possible, Capital One is deceiving its merchants. Their merchants have told me that by contacting Capital One, the charges will be reversed and I will not be responsible for these fraudulent charges. This is simply not true. Capital One is not honest with their merchants. 5. Capital One disclosures say that I have $0 LIABILITY if my card is stolen. This card was stolen and Capital One has not reimbursed any charges. 6. This card remained inactive for 3+ years. At this point, Capital One should’ve closed the card. Regardless, this never happened. This card was inactive for 3+ years with a PIN never being requested until it was stolen, and again, no one at Capital One felt that a first transaction in 3+ years being a cash advance was unusual enough to alert me. This seems to be negligence on their part, and yet it is falling on me to resolve. 7. Phone calls to Capital One to find out information on when new cards were sent out, expiration periods on this card and various other questions has been very difficult. Promises to call back by Capital One representatives within 48 hours were not kept. Capital One representatives contradicting each other on different items, promising to be able to assist only to say they can’t after getting into very specific details and being transferred over and over to different people. They have repeatedly quoted that their actions are due to ‘internal policy’ and yet their public terms and conditions on their website contradict everything they are telling me. 8. Capital One closed my fraud account and said that because the woman who was an employee, stole the card - they couldn’t help me. When I asked for documentation on their policy, I was told, “that’s a great question, but it’s just an in house policy.” Once again Capital One is being negligent. It seems to me that fraud is fraud, regardless of who perpetrates it. I have filed charges with the police against this woman, I have worked countless hours to track and document the trail she left, and because she happens to have worked at my business I am being told there is no help coming from Capital One. I wonder if Capital One would feel the same about one of their employees defrauding them? I'm wondering if anybody else in this forum has had a similar situation and how it was resolved? Thanks for your help!