Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I, XXXX XXXX AUTHORIZED REPRESENTATIVE, am the Authorized Representative of the XXXX Estate XXXX I am over the age of XXXX. This letter serves as a formal written demand and notice to XXXX XXXX regarding the Estates accounts and transactions referenced above and any related accounts, instruments, pooled contracts, securitized interests, servicing files, and associated reporting. 

This notice is sent in good faith to demand immediate corrective action, restitution, investigation, and production of records. Nothing in this letter is intended as tax advice. The Estate reserves all rights and remedies. 



XXXX. Summary of Demands The XXXX XXXX Estate hereby demands that : Restitution and Return of Funds/Credits. Provide restitution and return of all cash deposits and funds belonging to the Estate, including without limitation deposits, payments, escrow funds, proceeds, credits, interest, and any other sums received, withheld, diverted, netted, or applied ; and all creditor credits and credits due to the Estate ( including any credits associated with charge-offs, settlements, insurance proceeds, guarantees, reserve accounts, overpayments, unapplied funds, suspense balances, and third-party reimbursements ), in the total amount of [ AMOUNT ] ( or such other amount as may be proven upon full accounting ), together with statutory interest where applicable. 



Correct Inaccurate Tax Reporting. Conduct a complete review and correct any inaccurate IRS and XXXX XXXX reporting associated with the Estate, including but not limited to Forms XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, and any related state filings, backup withholding, and XXXX statements. If corrections are required, issue and file corrected forms and provide supporting documentation. 
Full Investigation. Open and complete a documented investigation into alleged improper sale, assignment, transfer, or securitization of pooled contracts and/or any interest in the Estates accounts or obligations ; undisclosed personal contracts, side agreements, NDAs, inducements, incentives, commissions, or compensation arrangements affecting the XXXX XXXX XXXX XXXX and instruments ; lack of compliance with applicable contractual obligations, servicing standards, investor/issuer requirements, internal policies, and regulatory obligations ; breach of fiduciary duties ( if applicable ), breaches of duties of care and loyalty, negligence, and unfair/deceptive practices ; securities law violations and misrepresentations in connection with any offering, pooling, transfer, or reporting ; breach of contract, conversion, unjust enrichment, and accounting irregularities ; and potential wire fraud, identity fraud, and mail fraud ( to the extent implicated by the facts and documentation ). XXXX XXXX. Produce the documents and data listed in Section XXXX below, in a usable electronic format, to enable the XXXX to verify ownership, chain of title, accounting, reporting, compliance, and the factual basis for any reporting and transfers.

Company response to consumer: Closed with explanation