Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I am filing this complaint against Capital One regarding the mishandling and improper denial of my debit card dispute claim # XXXX for a fraudulent transaction of {$6800.00} on or around XX/XX/XXXX ( or the statement date it appeared ). This transaction funded a fraudulent " investment opportunity '' with XXXX XXXX XXXX ( XXXX ), a confirmed Ponzi/pyramid scheme promising 36 % monthly returns via a fake " XXXX '' AI bot. XXXX falsely claimed SEC registration ( CIK XXXX ), used pyramid recruitment, and collapsed in XX/XX/XXXX ( website offline XX/XX/XXXX ; $ XXXX losses ). Multiple regulators issued orders : XXXX Enforcement Order XXXX ( XX/XX/XXXX ), XXXX Desist Order ( XX/XX/XXXX ), XXXX XXXX XXXX Cease & Desist ( XX/XX/XXXX ). I was fraudulently induced under manipulation and threats, leading to delayed reporting ( beyond 60 days ), but the transfer was not truly authorized in good faith. Timeline of Capital One 's mishandling : Initial filing ( XX/XX/XXXX ) : Reported online as unauthorized/fraudulent. Provisional credit issued, but Capital One provided no mechanism to upload supporting documents despite repeated requests. This blocked my ability to submit evidence promptly. Initial denial & credit revocation ( XX/XX/XXXX ) : Claim denied without my full evidence ; provisional credit revoked. This violated Reg E 1005.11 by not allowing reasonable opportunity for documentation before final determination. Second submission ( XX/XX/XXXX ) : On call, rep instructed emailing documents to XXXX. I sent comprehensive evidence ( XXXX ROI screenshots, transaction hashes/wallets, regulatory orders, police report, duress communications ). No acknowledgment received. Follow-ups ( XXXX XXXX & into XXXX ) : Multiple calls confirmed " still investigating '' with no timeline or updatesexceeding Reg E 's 90-day investigation window. Escalation email ( XX/XX/XXXX ) : To XXXX detailing violations and demanding reinstatement/expedited resolution. Final denial ( XX/XX/XXXX ) : XXXX ( ext XXXX ) stated merchant provided " account and routing number '' proof of authorization ; no further recourse. This ignores fraudulent inducement context and my procedural issues. Capital One failed to conduct a reasonable, good-faith investigation under Reg E, ignored scam evidence, mishandled process ( upload block, no acknowledgments, prolonged silence ), and prematurely revoked provisional credit. I request : Full reversal of the {$6800.00} debit ( or reinstatement of provisional credit pending review ). Reimbursement of any related fees/interest/overdrafts from revocation/delays. Goodwill compensation for time/stress. Copies of all investigation docs/merchant responses. I have attached all supporting documents. Thank you for your assistance in resolving this. Your Details ( fill in ) : Name : XXXX XXXX XXXX Account last 4 : XXXX Claim # : XXXX Phone : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation