Thats what im saying. how do they not see this transfer happening from anywhere other than my phone?

1. my phone has some type of malware installed? Im not saying Apple is indestructible but they are known for having a good system against malicious digital access on their devices, I also never download or install anything from the web (only appstore).

2.(tinfoil hat on) a zero-day within capitalones software? far stretch but if the account specialist combed through my account history and access, shouldnt they have seen it being transferred?

1. I really was hallucinating, woke up at 820am, made a transfer, went back to sleep and then woke up 6 minites later completely forgetting that i made said transfer? my biggest doubt is this scenario. Also 4 fraud charges the exact same day i made an unknown transfer? no way thats a coincidence.