Consumer complaint received 2018-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX To XXXX XXXX XXXX XXXX From : Complainant XXXX XXXX Re :  Stolen Funds {$78000.00} ( 20 % compounding interest ) plus {$100.00} late fee/month, personal time $ XXXX/hour, gas expense {$150.00} I have submitted numerous complaints against XXXX XXXX XXXX and XXXX XXXX XXXX   regarding theft XXXX XXXX stole my bank accounts and cash my two checks WITHOUT my consent at all. As I stated numerous time to both banks, law enforcement, CFPB, FTC as well as all other law enforcement, court etc. that I do NOT know theft XXXX XXXX at all. I NEVER authorized this theft to do anything on my behalf. However under my numerous times complaints to all kinds of law enforcement agency and court to collect my stolen funds, until now 5 years passed this theft continue to hold my funds without return. I do NOT know why this theft can escape justice system without going to jail. According to the amount she owed me, she should go to federal jail for at least 20 years plus life time restraining order against this theft not to access, release, threat, harass, stalk to myself and my personal information. 

On XX/XX/XXXX theft XXXX XXXX illegally withdraw {$9800.00} from my XXXX XXXX  XXXX accounts. She has used my name to withdrawl the funds and then closed all my accounts without my consent at all. She illegally obtained all my personal information such as social security number, date of birth, address, phone number as well as all other personal identities. Subsequently she used my funds opened new account by using my name and my identities without my consent at all. She also ordered the bank to send my monthly statement to her address without my consent. 

On XX/XX/XXXX theft XXXX XXXX illegally withdrawl {$68000.00} from my Capital One account without my consent. She has used my name to fill out the withdrawl slip. And she signed her name at the bottom of the withdrawl slip. ( See evidence ). After she withdrawl my funds, she illegally closed my account  without my consent. She illegally obtained all my personal information such as social security number, date of birth, address, phone number as well as all other personal identities. Subsequently she used my funds opened new account by using my name and my identities without my consent at ll. She also ordered the Capital one to send my monthly statement to her address without my consent. 

In XX/XX/XXXX theft XXXX XXXX obtained two checks each was {$370.00} total {$750.00}. Two checks were paid to me with my name on the checks. Two checks were issued by XXXX XXXXXXXX XXXX. She endorsed on the back of the checks when she went to the bank to make deposit without my consent at all. She illegally obtained all my mail and transferred my mail to her address. I have post office letter as evidence showing she is a mail theft. 

In XX/XX/XXXX she caused me extra {$150.00} loss because she closed my Bank of AXXXX accounts causing all my paid checks to the county to be bounced. I have sent my payment before due date, however due to closed accounts caused by her it caused me extra {$150.00} loss. 

XXXX XXXX XXXX still owe me {$9.00} because the check was cashed by someone else. I have asked Capital one to return, until now this amount was never returned. 

Due to the above facts and all evidence such as withdrawl slip, bank letter, police report, FTC identity theft report. I am asking Theft XXXX XXXX to go to federal jail 20 years. XXXX XXXXXXXX XXXX and XXXX XXXX XXXX should return the following : All stolen principle : {$68000.00} plus {$9800.00} plus {$750.00} plus {$150.00} plus {$9.00} total : {$79000.00}. She returned {$57000.00} until XX/XX/XXXX. The difference was {$21000.00}. 

Because original matter was caused by XXXX XXXX XXXX county when I report burglary. Therefore I have to charge 20 % compounding interest on the daily basis. 

Two banks owe me : 1. 1st year : Principle {$21000.00} plus interest {$15000.00} ( she used my funds {$79000.00} for whole year from XX/XX/XXXX to XX/XX/XXXX ). 1st year she owed me {$37000.00} 2. 2nd year : Principle {$37000.00} plus interest {$7500.00} total {$45000.00} 3. 3rd year : Principle {$45000.00} plus interest {$9000.00} total {$54000.00} 4. 4th year : Principle {$54000.00} plus interest {$10000.00} total {$65000.00} 5. 5th year : Principle {$65000.00} plus interest {$13000.00} total {$78000.00} I have spent 10 trips to go to three banks to collect stolen funds from XXXX to current. XXXX   XXXX XXXX 2 times in XX/XX/XXXX. XXXX XXXX XXXX 5 times from XXXX to XXXX. And XXXX XXXX XXXX 3 times from XXXX to current. I am charging {$300.00} per hour my personal time for at least 15 hours. Late fee {$100.00} per month since I notified bank since XXXX. My gas expense {$100.00} to collect stolen funds. 

I HAVE FILED POLICE REPORT IN XXXX. I HAVE NOTHING TO DO WITH THIS THEFT AT ALL. I ALSO HAVE TWO COPIES OF CANCELED CHECKS FROM XXXX XXXX SHOWING SHE CASHED MY CHECKS WITH MY NAME ON THE CHECKS.

Company response to consumer: Closed with explanation