Consumer complaint received 2021-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I urge CFPB to read this complaint and take necessary actions. 

1 ) First it was someone named XXXX and then it was someone named XXXX who responded via the CFPB portal providing their phone numbers with their extensions and availabilty. I have tried calling them both but I could not get anyone on those numbers. Are those phone numbers even genuine? 

2 ) CFPB, please note this and I urge you to investigate into the operations of this bank : CAPITAL ONE IS TRANSFERING MONEY ON THEIR OWN TO UNCONFIRMED EXTERNAL BANK ACCOUNTS WITHOUT ANY VALID AUTHORIZATION. In my previous complaint Capital One has sent their response via the CFPB portal in which they have clearly stated the following " The 360 Checking XXXX remained opened due to it had {$0.00} of interest accrued, but not yet posted. Because we dont have a confirmed external bank account on file, were unable to schedule a transfer and close the account over the phone. Thus, we issued you a check for the {$0.00} issued on XX/XX/2020, and the account has been closed. '' This is a false and misleading statement. It is true that I did not confirm the two initial deposits made by Capital One in order to confirm my external bank account and so they were supposed to send me a check. But very surprisingly instead of sending me a check Capital One has sent the XXXX in my other ( external ) bank account on XXXX XX/XX/2020 ( screenshot attached ), the account which as mentioned earlier was not confirmed with Capital One ; I have never confirmed the two initial deposits with Capital One which the bank themselves have also confirmed via their response to my previous complaint. This was an unlawful and unauthorized transfer of XXXX cents to my other bank account. 

3 ) CFPB, please note this and I urge you to investigate into the operations of this bank : I called Capital One a couple of days ago and asked one of their 360 checking managers why did the bank sent the XXXX  cents to my other ( external ) bank account when I haven't even confirmed the account with Capital One. With full attitude the manager said my other bank account was confirmed by me because according to her external bank accounts can not be confirmed over the phone but can only be confirmed " online ''. She also said she has removed my external bank account from the Capital One system. I told her that I did not have access to my Capital One online banking since over a month now ( this point is clear from my previous two CFPB complaints with this bank ) then how on earth can I confirm the two initial deposits online. She again said that it's only me who can confirm any external bank account " online. '' This is a clear proof that Capital One has unlawfully and unethically without any authorization whatsoever, has confirmed my other bank account on their own from their back end without me ever confirming those two initial deposits with the bank. So in my previous complaint Capital One simply lied saying they have sent a check because they don't have a confirmed external bank account. This transfer of XXXX to my other bank account is unlawful and unauthorized. 

4 ) Capital One has blocked my online access long before my accounts were closed which resulted me in not even getting access to my statements.

Company response to consumer: Closed with explanation