Consumer complaint received 2019-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Capital One mailed me a closeout check on or around XX/XX/XXXX, received on XX/XX/XXXX, deposited to my XXXX XXXX account on XX/XX/XXXX. Capital One chose to place a stop payment prematurely on the check and in error, they will not admit to this error plainly, will rather state " Expectations not set correctly '' as reason for stop payment. A second check was expedited via XXXX second day air and rep ( s ) did not allow enough mail time for prior check before reissuing and thus stopping payment.. The check amount, XXXX, represents the remaining balance in my checking account ending in XXXX. Replacement check was sent on XX/XX/XXXX and delivered on XX/XX/XXXX. I left for XXXX XXXX on this day, was not at my address to receive/sign for it or sign check itself. 

XXXX XXXX with XXXX XXXX XXXX picked me up, drove me to XXXX XXXX XXXX at XXXX XXXX on XX/XX/XXXX. I have a statement from Mr XXXX stating he picked me up on said date and time. Please see attached document from Mr XXXX, he can be reached at XXXX. I was in XXXX XXXX from XX/XX/XXXX to XXXX. 

I received information from a XXXX with leadership team at Capital One stating said check was intercepted and signed by a XXXX XXXX whom does not live here, cashed at a XXXX XXXX XXXX which is not my account and do not bank there. A XXXX XXXX with Capital One has replied in re about this, stating the person, XXXX XXXX, lives at my address and the XXXX XXXX Bank account is or was linked to my Capital One account at some point. She also refers to a check deposited to my account from this person sometime ago. My account is now closed and It appears Capital One chose to close it due to account security, they saw the linked account, which I am not aware of, as a possible risk. It appears someone had hacked into my account at some point, added XXXX XXXX account and also used my account to cash a check in the past. Neither of these two incidents are related to loss of funds or constitute receipt of them. 

If Capital One will check signatures on check received on XX/XX/XXXX and replacement check delivered on XX/XX/XXXX, they will see signatures are different from another. Also, another check from Capital One covering overdraft and return check fees relating to stop payment shows my true and correct signature, as does the check received on XX/XX/XXXX which was deposited to my XXXX account and is now closed due to overdrawn status. The overdraft is a result of Capital One stopping payment prematurely as stated prior. I've requested Capital One check signatures, XXXX XXXX did not comply. For argument sake and figuratively speaking even if the person, XXXX XXXX, is related, does not mean funds were not stolen from me as they in fact were..

I request someone in office of the President look into this matter which has been ongoing since late XX/XX/XXXX/early XX/XX/XXXX. To avoid investigating signatures as requested, Capital One chooses to mark complaints as duplicate to avoid doing so. They requested additional time to reply to a prior complaint, which took over a month and then turned around, marked it as duplicate.

Company response to consumer: Closed with explanation