A National City woman, Addie Smith, was wrongly charged over $1,600 for a luxury London hotel stay she never booked. After Capital One initially denied her fraud claim, she filed a police report and conducted her own investigation.
NBC 7 Responds contacted Capital One, which then reversed the charge. Smith credited AARP and the Identity Theft Resource Center for guidance.
- Smith received a fraud alert for a London hotel booking and rejected it, but the charge still appeared. - Capital One initially denied her fraud claim, citing insufficient evidence.
- Smith filed a police report and sent a certified letter proving she was at work during the stay. - After NBC 7 Responds intervened, Capital One made Smith "whole" and reversed the charge.