Money transfer, virtual currency, or money service -- Fraud or scam -- Complaint #6100839
Complaint Overview
Complaint ID: 6100839
Company: Capital One Financial Corporation
Product: Money transfer, virtual currency, or money service
Sub-Product: Virtual currency
Issue: Fraud or scam
State: Illinois
ZIP Code: 605XX
Date Received: 2022-10-18T12:00:00-05:00
Date Sent to Company: 2022-10-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/22 I ordered and paid {$230.00} for a plant that was being advertised on XXXX. I paid for the plant via XXXX from my Capital One checking account. Once the seller received the funds, I stopped hearing from them and recieved no replys to my attempts in connecting. I was scammed. Realizing this, I immediately called XXXX to report the fraud and in reply, they referred me to Capital One for assistance. I then called Capital One and filed a claim for the transaction. I was told that if evidence was required, I would be asked for it. I then received a confirmation and a case number as being XXXX. On XX/XX/22, I received another communcation from Capital One confirming that they were still working on my claim. On XX/XX/22, I received another communication from Capital One saying that their review was completed and my claim ws denied. I contacted Capital One on XX/XX/22, very upset about their decision. I asked numerous times to speak with someone but I was consistently denied this request. I was told that the reason for the denial was due exclusively to the fact that I used XXXX and as such, I am not supposed to send money to someone I do not know with XXXX and therefore, do not qualify for any assistance or support from them. After hanging up, I decided to re-contact Capital One again but this time, ask that a claim for the {$230.00} be filed under the reason that I did not receive a product that I had ordered vs before which was under the reason of fraud/being scammed. Knowing that these two types of claims are dealt with very differently, I had ever reason to believe that I would receive assistance under this new claim filing. The agent I spoke with however said that I was not allowed to re-file the claim under different reasons despite the fact that I did indeed order something that I hadnt received. Regardless of how much I attempted to reason with the individual, I was not permitted to speak with anyone in the claims department and not permitted to pursue my claim in any manner. Because Capital One never asked me for any evidence that they could consider, I decided to send them one final letter ( still on XX/XX/22 ) with the supporting evidence in hopes that they would re-consider their position in not working with me to recover the {$230.00}. I never heard back from anyone.
Frequently Asked Questions
What is Complaint #6100839 about?
Complaint #6100839 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 2022-10-18T12:00:00-05:00.
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.