Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding the handling of disputed transactions funded through my Capital One checking account. On XX/XX/year>, I sent money to purchase tickets being offered for sale by individuals with whom I had been communicating. Prior to sending the payments, I exchanged messages regarding the ticket sale and received payment instructions. I have screenshots documenting the conversations, the ticket-sale arrangements, and the payment instructions provided to me. I want to make it clear that these payments were not gifts, donations, or personal transfers. I did not send this money to friends or family, nor did I voluntarily give the money away with no expectation of receiving anything in return. The payments were made specifically to purchase tickets that the individuals were advertising and selling. One individual received {$220.00} via XXXX, and another received {$450.00} via XXXX XXXX, for a total loss of {$670.00}. Although the payments were sent via XXXX and XXXX XXXX, the funds originated from, and were withdrawn directly from, my Capital One checking account. The payment platforms were simply the method used to transfer the funds. The underlying source of the money was my Capital One checking account. The individuals represented that they had tickets available for sale and accepted my payments for those tickets. After receiving my money, they failed to provide the tickets as promised and did not issue refunds. They kept the funds while failing to deliver the product that was the basis of the transactions. I have screenshots showing that both payments were directly connected to ticket purchases. These communications establish that the money was sent in exchange for tickets and not as gifts or voluntary transfers. The evidence demonstrates that these were transactions for a product that was promised but never delivered. As soon as it became clear that I would not receive the tickets, I sought assistance through the proper channels. I contacted both XXXX and Capital One and filed disputes regarding the transactions. I provided the available information, including evidence showing that the payments were made for tickets that were never delivered. Despite my efforts and supporting documentation, both claims were denied. My concern is that the dispute process appears to have focused primarily on the payment methods used rather than on the underlying facts of the transactions. The critical issue is that these payments were made to purchase tickets, not to send gifts or personal transfers. The recipients accepted payment for tickets they claimed to be selling but failed to provide them. I was scammed. The individuals accepted payment for tickets they represented they were selling, failed to provide the tickets, and retained my money. I have documentation supporting the transactions, including communications showing the agreements to purchase tickets and the expectation that tickets would be delivered after payment. I am requesting a thorough review of this matter, including consideration of all supporting documentation, screenshots, and communications. I also request a detailed explanation of how the evidence was evaluated and why reimbursement was denied despite evidence showing that the payments were made for tickets that were never delivered. A fair consumer protection process should consider the purpose of the transaction and the available evidence, not solely the payment method used. In this case, the available evidence demonstrates that I paid a total of {$670.00} for tickets that I never received and suffered a financial loss as a result. Thank you for your review of this matter.

Company response to consumer: Closed with explanation