Report: #774337

Complaint Review: capital one bank

  • Submitted: Thu, September 08, 2011
  • Updated: Thu, September 08, 2011
  • Reported By: Dale — leeds Alabama United States of America
  • capital one bank
    5718 West Weftheimer Rd.
    Houston, Texas
    United States of America

Capital One Bank recieved wire transfer from my Bank,thought I was to purchase a motorcycle from one of there customers,did not recieve motorcycle.My bank tried to retract the funds but the mananger s Houston, Texas

*Consumer Comment: Always someone else's responsibility.

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Birmingham News Listed 2006 Harley Davidson Ultra Classic For Sell on 07-10-2011. Was The Seller.I wired $7000.00 From My Bank To Capital One Bank In Houston Texas. Never Recieved Motorcycle,My Bank Tried For a Retractment But The Mananger David Morris Told He Would Need His Customer Whom Had This Account There Would Have To Give His OK For This Retrackment And That He Would Not.Even When Capital One Knew This Was a Scam.I filed a Police Report,Then a IC3 Report,Spoke With The FBI In Birmingham Which Was A Joke.Capital One Bank In Houston Should Return My Funds And Not Protect These Criminals. If Anyone Can Help Please Reply.                      
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#1 Consumer Comment

Always someone else's responsibility.

AUTHOR: Flynrider - (USA)

   Let's face it.  You did an idiotic thing by wiring $7K to someone you didn't know, just because they promised to send you a motorcycle.   Hopefully, in hindsight, you realize what an incredibly naive move that was.

   Now on to your complaint.   It seems you think that Capital One should just give the money back.  Well sorry, but it doesn't work that way.   There are regulations that govern bank wire transfers.  One of them is that they cannot be reversed without the approval of the beneficiary (i.e. the scammer).    The scammer obviously knew this and you didn't.   Legally, there is no way that the branch manager in Houston can reverse this transaction.   Those are the rules, and that is why businesses (and scammers) insist on wire transfers for large monetary transactions.  Once they are made, the paying party cannot backout. 

   What you're dealing with is someone who commited fraud.   Your only real avenue is to get the police in the scammer's location to follow up on this.   If you can get them interested, they can subpeona the bank for the scammers personal information and go from there.  Once they know who he/she is, they should be able to proceed quickly.    Your problem will be to get the police interested enough to get off their butts and follow this up.   

  If that fails, you'll just have to eat the $7K loss and chalk it up to an expensive education.   Your transaction was basically the same as giving the money to a stranger on the street and hoping he'd come back with a motorcycle.  The only difference is that Capital One probably has identifying information that the authorities can use to track this person down.
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