Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I was contacted by a police officer from the XXXX XXXX XXXX XXXX telling me that I had a warrant out for my arrest due to missing jury duty. The officer proceeds to give information about where I live and provides me with an arrest warrant to my email address and tells me that I need to turn myself in or I was going to jail. I was told that I needed to pay 10 % of {$18000.00} to the court house to settle this by paying {$1800.00}. I explained to the officer that I just paid to get my car fixed and was told they were going to get with the judge thats on the case to reduce the amount. I told him that I only had {$420.00} left in my account after fixing my car. I was told that the judge agreed that I could pay the reduced amount. After this the officer proceeds to tell me that I was now under a gag order and was not allowed to tell anyone what was currently happening. I had to leave work immediately to settle this situation or officers would arrive to my job to arrest me. I was crying hysterically because I have never been in trouble nor did I have any idea of a jury duty slip being sent in the mail when I did not receive one the whole time. The officer gave me an address and told me that I needed to go pay the amount there and I would be meeting a officer there to escort me through the whole process. The address that was given was a XXXX pay center that worked with the sheriffs office to accept payments towards disputes. I was given two different barcodes by text and neither one worked. I was then instructed to send a cash app to sergeant XXXX in the amount of {$420.00} that transaction was pending and was taking awhile to go through thats when I was instructed to send the money over XXXX XXXX. After providing the funds of {$850.00} the officer on the phone then tells me that since I followed the rules I was no longer had a warrant out. I then reached out to Capital One to submit a claim and I had to submit 2 different claims just for the same outcome because my original claim was not properly handled and was closed 2 days ( XX/XX/XXXX ) after it was opened after Capital One said someone from the bank would reach out to me to gather the information about the incident that happened. However, days after my fraud/scam was submitted, I then received answers email from Capital One telling me to beware of scams and included my situation as an example. ( They were sure to include about things being against the law when someone impersonating an officer was a felony ) No one reached out to me and I explained that. I only was able to get my claim reopened by demanding to speak to a manager. I provided the necessary documentation and the person who I spoke to gave me the incorrect email address to send the information over to the disputes department. I called for over 4 weeks asking for an update on my claim and kept getting fed the same response. I had to cuss out a customer service person in order to get a manager to try and help me. After speaking with that manager, not even a hour later I then received an email saying that my claim was denied again and no wrongdoing was found. Nobody who would be in my shoes deserves to be treated as such! No help was provided and the bank think its okay to keep my money absolutely not!

Company response to consumer: Closed with explanation