Consumer complaint received 2018-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I've been referred back to Security Intake Team concerning a check cashed in my name by someone else. This is a close out check in the amount of XXXX sent on XX/XX/XXXX, a stop payment placed on it in error, a second check sent on XX/XX/XXXX. I left for vacation on XX/XX/XXXX, a XXXX XXXX picked me up, drove me to airport. I was told by a XXXX, a manager, the check was cashed by a XXXX XXXX whom does not live at my address and am not related to. I was in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, was not here to receive and sign check. If Capital One will check signature on file, they will see the signature on check is in fact not mine. A XXXX XXXX insists it is so she does not have to do anything further, ignores the fact I was not even at home to receive/sign check. She also refers to a prior check deposited via mobile app in the amount of XXXX from XXXX XXXX, I do not know anything about this transaction and has nothing at all to do with close out check cashed by this person. I have itinerary from XXXX showing travel info and can get a statement from the limo company showing I was picked up on said date.. Most recently, XXXX referred me again back to Security Intake Team whom does not return calls, numerous messages left prior to this issue as well as after and currently. Messages have been left by myself as well as from numerous managers, email escalations sent as well ... No call back. The stop payment caused my XXXX account to become overdrawn, a total of fourteen ( 14 ) overdraft fees charged in the amount of XXXX each, plus a return check fee in the amount of XXXX, a total of XXXX. Documentation concerning these fees emailed to Capital One prior, I was provided an email address by several managers, I do not have the address available to me at this time. I have not received a reply to date, XXXX requests additional copies mailed or faxed and will only credit my account which is now closed and has been closed for quite sometime ... Any reimbursement will have to be in form of a check as I've requested, a total of XXXX which includes fees in the amount of XXXX plus check amount of XXXX less XXXX. XXXX is the amount my account is now overdrawn by, a recent debit card claim was reversed and caused this overdraft. XXXX took over a month to reply to prior complaints, will not return my calls, a total of seven ( 7 ) messages left and none returned. She refers me back to Security Intake Team whom does not return calls, works off a voicemail, this is a mere run around.. In closing, I've spoken with several attorneys, was advised to file a small claim. In the even suit is filed, attorney fees totaling XXXX plus court costs will also be added on to suit. Please advise XXXX/Capital One, it would be in their best interest to simply pay the claim total of XXXX which includes overdrawn amount of XXXX. Documentation from XXXX which including statements will be filed with suit should legal action be taken.

Company response to consumer: Closed with monetary relief