Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is the bank releasing the funds : {$1000.00} Walmart Store location : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX CapitalOne claims the event was 'not fraud ' erroneously; it is very obvious fraud and not hard to detect if you actually verify info ( see below ) Walmart has been investigating via Corporate and the physical store location since XX/XX/XXXX with no response. 

Correspondence via email and voice to both companies : Capital One -- this finding is completely inaccurate. This 100 % obvious fraud ; I do not live in XXXX, so I could not have picked this up. This can be confirmed by the location of my mobile phone at the time of pickup ( I live in XXXX  ). 

Here is the summary of events : XXXX XXXX, I noticed a 'delivery from store order ' in my Walmart notification to my mobile device. I logged in to see what was going on, as I did not place an order. 
-Order # XXXX was placed for 'delivery from store ' to and to an address I do not know using this information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX I do not live here, nor do I know anyone that lives here ; this was not me. The order was for ( XXXX ) XXXX XXXX 's. XXXX did this, used my name and presumably their own address. 
Within a few minutes, the fraud actor cancelled the order. I presume the individual realized it was not store pick-up and was no longer anonymous, thus cancelled the order. 
XXXX few minutes later, an order for store pick-up was created under order # XXXX for Store Pick-up at : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. Again, this was not me ; this is fraud. 
I immediately contacted Capital One XXXX to indicate these events. You refunded the money and investigated -The fraud actor picked up the ( XXXX ) XXXX XXXX XXXX 's from the store via 'store pickup '. I presume no State ID was presented, as my ID is with me, not missing. Despite this, Walmart released the Playstations to the fraud actor.

-I presume this Walmart store presented incorrect or potentially fraudulent information to you. You sent me a note ( above ) indicating these series of events 'were legitimate '. -- This is clearly a fraud event and either this store is implicit in the Fraud or they did not check for a proper ID.

-I contacted Walmart to inform them of the Fraud event ; Walmart stated 'they need to investigate ' and 'would refund the money ' ;. They did not refund, nor provide an ETA. 
I expect this to be thoroughly investigated, as this is clearly Fraud and has resulted in our family losing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX opened a police report with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Control # XXXX ) I have been a long time customer of Capital One because I trust your bank. I am not dishonest and this is very clearly a fraud event impacting us. Please re-open this investigation and press this Walmart store to provide a resolution.

Company response to consumer: Closed with non-monetary relief