Money transfer, virtual currency, or money service -- Fraud or scam -- Complaint #18159812
Complaint Overview
Complaint ID: 18159812
Company: Capital One Financial Corporation
Product: Money transfer, virtual currency, or money service
Sub-Product: International money transfer
Issue: Fraud or scam
ZIP Code: XXXXX
Date Received: 2025-12-18T12:00:00-05:00
Date Sent to Company: 2025-12-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Complaint Letter for Funds Recovery Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Email XXXX XXXX cc : Capital One Bank Subject : Fraudulent Transactions and Request for Funds Recovery I am writing to formally report a case of online transaction fraud involving my business dealings with XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) and an account purportedly held at Capital One Bank , Lagal Entity Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am the XXXX representative for XXXX XXXX XXXX XXXX and have had a business relationship with them for over 10 years. We recently made two payments of {$6000.00} each, totaling {$12000.00}, to a Capital One Bank account that we later discovered was fraudulent. Details of the Fraud : The perpetrator cloned official emails and impersonated XXXX, leading us to believe that we were making payments to an alternate account for equipment purchases. The bank details provided were as follows : Account Number : XXXX Routing Number : XXXX XXXX XXXX : XXXX Account Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Action Requested : I kindly request your assistance in recovering the funds that were transferred to the fraudulent account. I have attached the relevant documentation, including email correspondence and payment receipts, for your review. Please let me know how to proceed with this matter, as it is of utmost importance to my business. I appreciate your prompt attention to this issue.Thank you for your assistance. Sincerely, XXXX XXXX XXXX, Principal Pearl Armour Consulting Attachments : Email correspondence with XXXX Payment receipts Any other relevant documents
Frequently Asked Questions
What is Complaint #18159812 about?
Complaint #18159812 was filed against Capital One Financial Corporation regarding Money transfer, virtual currency, or money service specifically about Fraud or scam. It was received by the CFPB on 2025-12-18T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Money transfer, virtual currency, or money service) and describe your issue in detail.
Can I see other complaints against Capital One Financial Corporation?
Yes, visit the Capital One Financial Corporation company profile at readthecomplaint.com/company/capital-one-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.