Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
b'I transferred XXXX from XXXX  to a closed Capital One Saving Account ended with XXXX  on XXXX and expected to be arrived XXXX   Now Capital One could not locate the money and denied to investigate.\n\n\n\nFromXXXX XXXX XXXX  \nSent: XXXX XXXX XXXX XXXX XXXX XXXX\nTo: XXXXXXXX XXXX XXXX \nSubject: Re: A decision on your dispute\n\n \n\n\tIT SECURITY WARNING\nThis email originated outside of XXXX  XXXX. DO NOT CLICK links or attachments unless you recognize the sender and are expecting the email. Report suspicious emails by forwarding this email to XXXX so it can be reviewed.\n\n\n \n\nOn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  wrote: \n\n\nHi.  Could you find out where XXXX  is now?  It was transferred to a closed saving account by XXXX and I accidentally closed it on XXXX and the money is lost.\n\n \n\n----- Forwarded Message -----\nFrom: Capital One \nTo: XXXX XXXXSent: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nSubject: A decision on your dispute\n\nYour dispute has been resolved.                                                                                                                                                          \n \n \n\nSign in \n\n\n \n \n \n\n\n\n \n \nXXXX XXXX\nAccount ending in XXXX  \n\nYour claims been denied\nRe: Claim XXXX\nXXXX XXXX\nWe finished researching your disputes. Based on the information we have, your claim has been denied due to the following:\n\tOur records dont show an incoming deposit from the merchant for XXXX We recommend you reach out to the sender to verify they have the correct account and routing info. Once confirmed, please request a 15-digit trace number from the senders bank. This proves the payment has successfully been sent and allows us to better research the deposit in question.\nYou can still try to resolve this directly with the merchants.\nTo request copies of any documentation used to make this decision, call us at XXXX XXXX XXXXn\n \tDownload the Capital One Mobile app.\n\n\n \nImportant information from Capital One\nContact us  |  Privacy  |  Help prevent fraud\nTo ensure delivery, add XXXX to your address book.\nThis email was sent to XXXX  and contains information directly related to your account with us, other services to which you have subscribed, and/or any application you may have submitted.\nCapital One does not provide, endorse or guarantee any third-party product, service, information or recommendation listed above. The third parties listed are not affiliated with Capital One and are solely responsible for their products and services. All trademarks are the property of their respective owners.\nPlease do not reply to this message, as this email inbox is not monitored. To contact us, visit XXXX \n\nProducts and services are offered by Capital One, N.A., Member FDIC.\n XXXX  Capital One. Capital One is a federally registered service markXXXX XXXX XXXX

Company response to consumer: Closed with explanation