This is complicated
And its not your fault is that almost nobody there know how to explain, when I worked there I just loved these calls
1- if you gave credit card number its not fraud.
2- therefore should be reported as a dispute (agent failure)
3- since 2009 there is a Memo that prohibits to create a Fraud report on these ''free trials'' and clearly stated that it must be transfered to the disputes dpt.
4- one of the reasons for my resign was that things like these make everyday to be harder than it should be, because customers were closing accounts for this.
In this situations I will reccommend to contact disputes dpt. and usually this charge will come off and blocked without having to change the account number.
this is defenitely a lack of knowledge by capital one employees and very light trainings they give.