Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I got scammed for the amount of {$410.00} USD on my Capital One 360 debit card, I opened a dispute with them after explaining the situation. Heres how the situation unfolded : I found his listing on XXXX XXXX, but he requested that we move the conversation to XXXX because he was uncomfortable conducting business via XXXX XXXX. Our agreement was for {$400.00}, haggled down from {$480.00}, but I sent {$410.00} via XXXX XXXX to cover his instant transfer fee, as I was trying to be considerate and grateful for finding the perfect gift for my half-brother. 
Unfortunately, after the payment was sent, he kept stalling, saying he would come and deliver the product or be available for me to come pick it up, and eventually blocked me on all platforms. I still have not received my item or been able to contact him. After his last message on XX/XX/XXXX, saying " Hey sorry my car still wont start, something with the accelerator, ill lyk when I can come over today '' I have not heard back from him, and was unadded and blocked. 
Capital One received and opened my claim after my phone call on XX/XX/XXXX. At XXXX, XXXX XX/XX/XXXX, I got an email that my claim was denied. Stating " We finished researching your disputes. Based on the information we have, your claim has been denied due to the following : Our review of internal systems and records shows the payment was processed according to your payment instructions. '' I wasn't really sure what this meant, and had come to the conclusion they misunderstood me and thought it was a fraud situation where I was saying someone else used my card, but this was not the case, it was a matter of me purchasing an item and never receiving it. I figured they misunderstood because of lack of evidence, so I called again, asking to reopen the claim, and get an email address to provide screenshots and proof to. I was given the email XXXX, so I sent the proof to this email on the same day, at XXXX PM, which I later found out was the wrong email so I had to call again for a different email later. Then, on XX/XX/XXXX, XXXX, I got an email saying that my claim decision was confirmed, saying " Your claim has been received and heres the conclusion : The decision made about your claim was accurate, based on the information available during the investigation. '' So they are declining to dispute my money because I made the purchase, even though I got scammed? At this point I got really confused, so I later requested the documentation used to come to this decision, which I did receive on XX/XX/XXXX, XXXX. The document 's provided didn't show the conversations with the individual I was scammed by or any XXXX of the other screenshots of backstory and proof I was blown off and never received my item, just the screenshot of the product and a screenshot of me sending the XXXX XXXX to the individual. They confirmed that they understood I was the one who made the purchase and it literally says " Provide the details of your contact with the merchant : Merchant blocked XXXX after payment '' and " Do you have any other details we haven't discussed? : XXXX was scammed '' XXXX Capital One acknowledges this, and has refused to do anything about it or even explain what they can or can not do.

Company response to consumer: Closed with explanation