Consumer complaint received 2021-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
My harassment from Capital One has been going on since XX/XX/XXXX. If you wish to review the persecution placed upon me thus far, please refer to CFPB Complaint Number XXXX submitted on XX/XX/XXXX and Complaint Number XXXX submitted on XX/XX/XXXX. 

This most recent claim is in regards to those problems still not addressed by Capital One in the prior complaints. Last I reported to CFPB was on XX/XX/XXXX with my feedback from the XX/XX/XXXX XXXX complaint where I stated that I was still waiting for a Senior Account Specialist to reach out to me since there are no direct names, numbers, or departments to specifically reach out to myself. When no specialist had reached out by XX/XX/XXXX I called Capitol Ones fraud number again and spoke to XXXX within the Fraud Protection Department. To be honest at this point I thought for the first time in 9 months someone was actually going to help me resolve this maltreatment ; unfortunately I wrong. 

So, XXXX does get a gold star for being the first human at Capital One to tell me what all the fuss was to start with -- -For all of you reading this and going thru a similar XXXX -- -Essentially when I did a Balance Transfer from XXXX XXXX to Capital One to pay off the entirety of my XXXX Cash Advance from XX/XX/XXXX ; XXXX XXXX supposedly used a XXXX party payment system that Capital One couldnt verify and because of that Capital One thought I was committing fraud and all this got put in to motion. 

Now you may be wondering why Capital One didnt call Fraud on my first cash advance and balance transfer ; and supposedly it was because {$9800.00} is under {$10000.00}, and when I took out the XXXX cash advance of {$10000.00} it set off Capital Ones Fraud Alarms that supposedly go off whenever someone uses {$10000.00}. What Im most curious about is why do I have the ability to take out a {$10000.00} cash advance if its only going to cause alarm when I go to take it out or pay it off? Now I dont think XXXX was lying when they stated these were the reasons for my troubles with Capital One, however I dont think its the full truth because if Capital One actually thought I was committing fraud dont you think they would have restricted the access to my account on XX/XX/XXXX when I took out the too large cash advance or after Capital One said they were having troubles verify the XXXX balance transfer on XX/XX/XXXX when I called to figure out why there was a hold ; Nope, Capital One didnt restrict access to my account until XX/XX/XXXX -- XXXX days after receiving my first CFPB complaint ... .bit of a coincidence Id say. 

Regardless the reason, I had some answers and XXXX was also able to tell me the exact documents I needed to send Capital One to remove the temporary restrictions. That day, XX/XX/XXXX I submitted the documents requested to Capital One and XXXX even had me wait on the line to confirm my submission in hopes of moving this never-ending case forward. They told me my documents were submitted and everything looked as it should, now I just needed to wait for the three-way Senior Accounts Specialists initiated phone call that I would be receiving within 14 days between Capital One, XXXX XXXX XXXX and Myself to confirm my identity and account ownership. By XX/XX/XXXX -- -over a month later -- -I still hadnt received that call to verify everything from Capital One. So, I called the Fraud Protection Department again and spoke with XXXX and indirectly their supervisor. Both XXXX and their supervisor looked at my documents, said they were correct and they had everything that Capital One needed to resolve my case. They did something on their end and said like before I should receive a call within 14 days to verify everything -- -here we are over a month later... again ... and no phone calls and I still have a temporary restriction on my credit card. 

So, at this point I stand by my original feels and previously declared statements of Im being specifically harassed and prosecuted by Capital One. More precisely, I feel based on my experiences and the time line of events It isnt Capital One that has a vendetta with me ; but some Senior Accounts Specialist within the fraud department that thought my case was going to be some super fraud finding career maker and when it turned out to be just a regular cash advance and balance transfer their ego and spiteful nature has apparently kept them from calling me to close the case.

Company response to consumer: Closed with explanation