Consumer complaint received 2022-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I started messaging with this person via XXXX on XX/XX/XXXX as I was interested in some items she was selling via her website. She claimed to also work part-time at XXXX and has the website linked to XXXX account XXXX I was interested in XXXX items and she has a payment plan option which I signed up for, so I would make biweekly payments via XXXX XXXX to the number provided. Initially, I had paid off XXXX of the items while on the plan and then decided to add XXXX more. However, when those XXXX items were paid off, she claimed her assistant made a mistake and put the other items under XXXX order so they all had to be sent together. I was not happy but proceeded to make payments so I can be done with the purchases. On XX/XX/XXXX, I sent her the last payment of our agreement. And on XX/XX/XXXX, she puts a post on her XXXX saying her phone was lost to please not send payment, etc. We then began messaging through the XXXX and in the midst of our conversation I found out her lost was stolen and I mentioned to her I already had sent her the payment and while her situation is unfortunate, I did my part so I wanted my items. She kept saying I had a balance etc. and we went back forth. I decided to call XXXX pay and they mentioned to me that she can retrieve the money regardless of phone being stolen. She can sign in from any device and they will help her authenticate. I explained this to her but she kept saying the money was not there and I said you've dealt with XXXXXXXX XXXX before, you have to authenticate, the money is not going to appear in your bank. I even offer to have a three-way call numerous times with XXXX XXXX to help her receive the money but she kept making up excuses and giving me the cold shoulder. I even opened a claim with my bank to see if the last payment could be disputed but it was denied as it showed it was sent/received and I told her this. At this point, her last message to me was on XX/XX/XXXX via XXXX, she claimed then she still did not have a new phone still and has not responded to any of my messages since then. I've asked for my money back or items to be sent and nothing. This is her XXXX XXXX XXXX. I have been ignored for over a week. I believe she has blocked me as I have proof that she is still posted. I reported her account as scam on XXXX, reported it to FTC and state legal office. I also made a police report which is case number XXXX. My understanding after speaking with the police officer is that this person has been reported before, she or whoever they are need to be stopped and held accountable. 

The following are my reporting 's regarding this issue. My bank denied the refund of money because it was processed, I had no idea this was fraud/scam and I want to try to get my money back. We are talking about {$5600.00} that was sent to this individual and still nothing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCapital One XXXX XXXX XXXX  with my bank. 
I also submitted a compliant to the state attorney general via XXXX XXXX XXXX. I don't have a case number for this.

Company response to consumer: Closed with explanation