The Capital One Fraud Department phone call scam is hitting VISA and Mastercard cardholders hard, and this video breaks down exactly how the scam works so viewers can protect themselves. This Capital One scam involves fake fraud alerts, spoofed phone numbers, phishing texts, Cash App requests, verification code tricks, and callers pretending to be from the Capital One Fraud Department. The goal of this video is to help anyone searching for Capital One scam, Capital One Fraud Department scam, VISA scam, Mastercard scam, or to confirm whether this kind of call is legit. This scam has nothing to do with the real Capital One bank or any legitimate companies with similar names, and consumers should never contact real companies asking them to resolve issues created by scammers. The real companies are uninvolved in scams that mimic their names.
Scammers are calling people using spoofed 800 numbers and texting fake alerts about suspicious charges from places like Foot Locker, iPhone purchases, hotel reservations, or recurring payments totaling thousands of dollars. Victims receive phishing codes that scammers claim are needed to “remove charges,” but the code is actually what gives scammers access to accounts. The scam also includes requests to move money into Cash App or Zelle for so-called “fraud prevention,” which is never required by any legitimate bank. If you're researching whether a Capital One Fraud Department call is legit or whether a VISA or Mastercard fraud alert text is a scam, this video walks through real examples sent in by consumers.
This video explains how scammers use look-and-sound-alike systems, voicemail messages, and fake automated call menus that greet callers with “Thank you for calling Capital One, you’ve reached the Fraud Department.” These spoofed systems are designed to appear real, but they are scams. None of this is connected to any authentic Capital One phone line, VISA or Mastercard company, or any business that shares similar wording or branding. Real companies do not ask for verification codes by phone, do not ask you to accept bogus charges, and do not tell you to move money to third-party apps. If you receive a call like this, hang up immediately and call the number on the back of your card.
Throughout the video, multiple victims describe the same pattern: fake fraud alerts, scammers who know personal details from old data breaches, fake account-creation instructions, and high-pressure tactics meant to scare people into acting fast. These stories show why millions of people search terms like “Capital One scam,” “Capital One fraud call legit,” “fraud department phone call scam,” “VISA fraud scam,” and “Mastercard fraud scam.” This video helps those searches lead to clear, real information. The video also shows why any business or card issuer with similar names is completely uninvolved with fraudsters, and why contacting legitimate companies about scam calls does not help—scammers are simply impersonating them.
If you want to stay safe from credit card scams, phishing calls, fake fraud departments, spoofed phone numbers and holiday scams, this video covers the major red flags: requests for verification codes, demands to accept fraudulent charges, claims about iPhone purchases you never made, and any instruction to move money out of your bank for “security reasons.” None of this is legitimate. Hang up and call the real number on your physical card every time.
YouTube Chapters
00:00 – Capital One Fraud Department phone call scam overview
00:35 – Fake Foot Locker charge and Cash App theft
01:33 – Phishing calls pretending to reverse iPhone charges
02:54 – Verification code scam and “charge removal” trick
03:59 – Spoofed phone numbers and fake Mastercard/VISA alerts
04:55 – Data breach info used by scammers
05:34 – How to safely verify real bank activity
06:47 – Holiday scams and lookalike websites
07:26 – Staying vigilant and avoiding emotional traps
08:15 – Final safety tips and reminders
Editor’s Note: I used ChatGPT to help write this video description. Scammers use AI to trick people. It’s time we use AI to bust scams. Everything in this video is based on my own independent research.
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