Consumer complaint received 2024-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

XX/XX/XXXX- Went to XXXX XXXX XXXX webpage to publish my book. Pop up window asked if I needed help. I said Id like info. they called me. ( XXXX ) number. I wanted to sell my book online on XXXX, so they said that they woiuld help me. They gave me description of services, I said, " great ''. I called my bank, and ok 'd {$1300.00} to transfer to them. Money went to XXXX XXXX XXXXXXXX XXXX got online to be my contact person for a team who would look over my manuscript and approve it for publishing. He said he wold have his " editor '' look at it. He sent me a link to XXXX XXXX, said it was a secure app we could converse on. I sent my finished manuscript to them, XXXX said they would look it over. XXXX came back with my manuscript, and it was distorted, with an XXXX generated XXXX XXXX right in the middle of it, along with format errors, and misspellings. I was angry. He kept saying " editor '' then I asked him " what kind of an editor was it to XXXX my manuscript up? '' XXXX said to look it over and fix anything I needed to fix. I had to read the whole thing over again to repair it. XXXX kept contacting me every day just to say hello and ask how it was going. XX/XX/XXXX - This is when he called me, with a XXXX accent, ( phone # ending in XXXX ) I could barely understand him, to tell me of an exciting plan to promote my book. He asked me if I had any plans to sell my " brand ''. I laughed. I just wanted to publish a book for my kids, that was it. but he went on and on about how much money I could make. For every {$1.00}, I put in, I get {$3.00} back. XXXX said the smallest package they ran was {$5000.00}. I had looked up online ( XXXX ) that it takes about {$10000.00} to publish a book, so I thought since I was not at that mark yet, that XXXX was legit, so I planned to set up sending him the money. Instead of using my regular bank, I sent him money from a nest egg in Capital One. When I got online on Capital One, I did not know why his account number did not work, so XXXX got on my computer with XXXX XXXX to help me put in his credentials. I took photos of his account ending in XXXX. XXXX used the bank name : XXXX XXXX XXXX XXXX  a partner of XXXX. The address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX used his company name as " cmolds.inc '' a company name solely used in XXXX XXXX XXXX XXXX XXXX XXXX has the SAME address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I sent my manuscript back in XXXX parts, but I saved it also on my computer. XXXX sent it back to me with more mistakes. A subtitle was inserted at the beginning of a chapter in large capital letters, which NO " editor '' would have missed. Just skimming, I saw it immediately. XX/XX/XXXX - XXXX son called me and said that Capital One had locked up our account, and I was to call the bank at customer service to clear things up. Capital One said that they are going to presume that I was scammed, my account was going to be locked up, and they would let me know what I could do in XXXX days, I asked what looked suspicious, they would not tell me. I waited XXXX days. They told me nothing. At this point I thought that I HAD to wait. Now I realize I could have reported this to authorities sooner. XXXX called. I kept stalling. XX/XX/XXXX- XXXX called me and told me to talk to his boss, also a foreign accent, I could barely understand him. His boss ' name XXXX XXXX. XXXX explained to me that my book would be a big hit. The catch : more money CAPITAL ONE smelled a scam and locked my account. I gave them all the pertinent informationt to get my money back, including phone numbers transfer numbers, etc. My account with Capital One was locked up and I never heard from Capital One ever again. I withdrew all my money and closed the other Capital One accounts. 

How it started Date fraud began : XX/XX/year> Payment Used : Amount I was asked for : {$1300.00} + {$5000.00} Amount I Paid : {$6300.00} How I was contacted : Online Ad as XXXX, then a Pop-up called XXXX XXXX Wire Transfer via shared XXXX  called XXXX.