Bank Statement Descriptor
E Capital FinanceFraudulent Bank Statement Charge — Advance fee loan scam
Amount varies
1
Advance fee loan scam
1 months ago
What is this charge?
One of the names used by scammers who frequently change their names to avoid scrutiny in advance fee loan scams.
How much does E Capital Finance charge?
The charge amount for "E Capital Finance" varies. Victims have reported different amounts. Always check your full statement history for recurring charges.
Is E Capital Finance a scam?
Yes, "E Capital Finance" is almost certainly fraudulent. With a threat level of 90/100, this charge has been confirmed as a scam by multiple consumer reports.
What to do if you see E Capital Finance on your statement
- Freeze your card immediately — Contact your bank to block further unauthorized charges.
- Contact your bank — Call the number on the back of your card to initiate a dispute within 60 days.
- File an FTC report — Report at reportfraud.ftc.gov to create an official record.
Do NOT pay this charge
If you see E Capital Finance on your statement and did not authorize it, contact your bank immediately to dispute it. Do not attempt to contact the merchant directly.
How to Dispute This Charge
- 1
Gather evidence
Take a screenshot of the charge on your statement showing "E Capital Finance", the date, and amount. Save it as a PDF if possible.
- 2
Contact your bank immediately
Call the number on the back of your card or use your bank's app to initiate a dispute. Do this within 60 days of the charge date.
- 3
Use dispute reason: "Unauthorized charge"
State clearly that you did not authorize this charge and have no relationship with this merchant.
- 4
File a complaint with the CFPB
Submit at consumerfinance.gov/complaint — CFPB complaints are forwarded to your bank and require a formal response within 15 days.
- 5
Follow up in writing
Send a certified letter to your bank within 10 days of the phone call to create a legal paper trail. Keep the tracking number.
Frequently Asked Questions
- What is "E Capital Finance" on my bank statement?
- One of the names used by scammers who frequently change their names to avoid scrutiny in advance fee loan scams.
- Is "E Capital Finance" a scam?
- Yes, "E Capital Finance" is almost certainly fraudulent. With a threat level of 90/100, this charge has been confirmed as a scam by multiple consumer reports.
- How much does "E Capital Finance" typically charge?
- The charge amount for "E Capital Finance" varies. Victims have reported different amounts. Check your statement history for recurring charges.
- How do I stop "E Capital Finance" from charging me again?
- To stop future charges: (1) Contact your bank and request a new card number immediately, (2) Dispute all charges as unauthorized, (3) Search your email for any confirmation from this merchant and cancel any accounts, (4) File a complaint with the FTC at reportfraud.ftc.gov.
How many people have reported E Capital Finance?
1 consumer has reported this charge in the TitanAlert database. This community data helps others identify fraudulent charges quickly.
Were you charged by E Capital Finance?
Your report helps protect other consumers. Share your experience — amount, date, and resolution.
Related Fraudulent Descriptors
Other advance fee loan scam descriptors in our database
Delight Loans
⚠️Advance fee loan scam / Counterfeit check scam
Scammers changing names frequently, involved in advance fee scams, counterfeit check deposits, and gift card payments.
ADVANCE PAYOUT
⚠️Advance fee for payout
A generic descriptor for an advance fee required to 'release' a promised lottery or prize payout.
Consumer Needs
⚠️Advance fee loan scam
One of the names used by scammers who frequently change their names to avoid scrutiny in advance fee loan scams.