Consumer complaint received 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent {$6300.00} designating my bank account to be used to a wrong merchant that XXXX suggested, and tried to cancel it after XXXX minutes when the real merchant told me he did not receive the money. But XXXX refused to cancel the transaction, denied my dispute and appeal based on a forged document sent by a wrong merchant, withdrew the money from my Capital One card on file with XXXX without my permission when I stopped payment at my bank, and has not refunded the money to me as of today XX/XX/XXXX. Please investigate this and help me get my money back from XXXX. 
XXXX. XXXX XXXX. XXXX purchased XXXX translation from XXXX XXXX. XXXX at XXXX for {$9800.00}, different from XXXX who received the fund of {$6300.00} via XXXX, to do XXXX translation on XXXX XXXX and received the product on XX/XX/XXXX. [ Exhibit XXXX : Invoice from the real merchant ] XXXX. On XX/XX/XXXX at night, I tried to send {$6300.00} to the real merchant XXXX XXXX XXXX by XXXX using my business bank account. And then I tried to send {$3500.00} to the real XXXX by XXXX using XXXX XXXX card. When I went to XXXX and entered his name, the name of false XXXX XXXX automatically popped up by XXXX. I clicked it, because there is no other XXXX XXXX we have ever used, and sent {$6300.00} to be drawn from my business account. [ Exhibit XXXX : Transaction details from XXXX showing under XXXX details that the funding source is XXXX  XXXX XXXX ending in XXXX ]. I believe XXXX should not have suggested that confusing email address to me. Why would they do it? 
XXXX. But after XXXX minutes, the real merchant XXXX XXXX XXXX said he didnt receive any XXXX money. [ Exhibit XXXX : XXXX from the real merchant saying he didnt receive money I sent via XXXX XXXX my bank account. ] In Exhibit XXXX, XXXX says : Those receipts list the email " XXXX '' under the customer information at the bottom. However, that is not my email address, and thus not my XXXX account. If you actually sent money to the address " XXXX '', I would suggest you cancel the transactions at once, since they're not me. 
XXXX. We asked the false merchant XXXX by email to cancel or refund the money to me because it was sent to a wrong person by mistake. The email and phone number was under the name of false merchant XXXX XXXX. When I called the phone number, it was XXXX. [ Exhibit XXXX the false merchants response that he would keep my money for XXXX weeks. ] XXXX. The false merchant XXXX XXXX XXXX  said I might be scamming him and and he would escalate the claim, and said it would take XXXX weeks for me to get it resolved. He is a thief stealing my money. I dont know the false merchant XXXX. I never purchased anything from him. It was just an email that XXXX suggested that I clicked by mistake. I think he should have just returned it when he had no right to the money. 
XXXX. Worried that the false merchant might take money, I placed stop payment for {$6300.00} at my bank and called XXXX to explain the situation and cancel the transaction XXXX minutes after I clicked the payment off. Then I paid the real merchant {$6100.00} plus {$3700.00}, for a total of {$9800.00} through a bank transfer. But XXXX refused to cancel the transaction and told me to file a dispute at the XXXX XXXX, which I did. I think the proper thing XXXX should have done is just to cancel the transaction because it was my mistake. It was only after XXXX minutes that I asked to cancel it. 
XXXX. But XXXX withdrew the fund from my Capital One card ending with XXXX without my permission on XX/XX/XXXX although I told XXXX to send it from my business bank account ending in XXXX. And they withdrew the money without my consent XXXX  days after I filed a dispute explaining everything. [ Exhibit XXXX XXXX- XXXX  Your bank declined your electronic funds transfer : Paypals notice that they withdrew my money from my credit card instead of my bank XXXX count without my consent, even after I fully explained to them over the phone that I sent it to a wrong email by mistake and filed a dispute ]. I think XXXX should not have withdrawn money from my credit card on file without my permission, when I told them 5 days before that it was a mistake, tried to cancel the transaction, and filed a dispute. 
XXXX. On XX/XX/XXXX, XXXX denied my claim for refund of {$6300.00} sent to the wrong XXXX but accepted the claim for the refund of {$3500.00} for the same case sent to the wrong XXXX and we received a refund of {$3500.00} into XXXX XXXX XXXX. [ Exhibit : XXXX XXXX from XXXX, You are receiving a refund of {$3500.00} USD ] XXXX. I disputed the charge with Capital One Card, but they also denied my claim, saying XXXX says that I received merchandize from the merchandizer. I swear under the penalty of perjury that I dont know this XXXX XXXX XXXX never purchased anything from him, never received any merchandize from him, and never intended to pay him. It was a mistake that I clicked the link automatically suggested by paypal. { Exhibit XXXX sent to Capital One ] XXXX. Another proof that the payment was sent to a wrong person is that I sent {$9800.00} to the right XXXX on XX/XX/XXXX. { Exhibit XXXX XXXX from the right JM that he received {$9800.00} }

Company response to consumer: Closed with explanation