Consumer complaint received 2018-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Yesterday ( Friday, XX/XX/XXXX ), XXXX, NY, was hit by a very massive, powerful, dangerous, life threatening and deadly noreaster storm, which caused me a lot of concern and fear over the safety of my well being, life and health. 

Im just too weak, unhealthy and balance unstabled to be out in those type of dangerous and life threatening weather conditions. 

Yesterday, after leaving my residential building for a XXXX doctors appointment, a massive tree fell a few feet ahead of me and that scared the living daylights out of me so I never went to my appointment, I decided to return back to my apartment and I didnt leave my apartment for the rest of that same morning, evening or overnight into today. The dangerous and life threatening winds, rain, snow and floods were just too much for my frail and quickly deteriorating health, vision, XXXX  left XXXX, body and I. Please review the attached medical documentation and photo. 

My neighbor took the attached photo of the fallen tree. She also got very scared and decided to return to her apartment and didnt go food shopping as she had originally planned to. 

This morning I called Capital One Bank because yesterday overnight ( Friday, XX/XX/XXXX ),  into this morning ( Saturday, XX/XX/XXXX XXXX, I received a {$35.00}, overdraft fee for a merchants payment that hit my checking account ending in XXXX, and they stated to me that a courtesy reversal/credit couldnt be given to me because of all the past due overdraft fee reverses/credits I had already received within this year. None of these shouldve been courtesy reverses/refunds because they were all given due to bank error related issues ( after banking hours non-functioning branch doors, broken, freezing up, delays in accepting cash ATM issues ). I quickly told the Captial One Bank XXXX customer service representative that none of those reversed/credited overdraft fees shouldve ever been labled/deemed a courtesy reversal/credit because all were caused by bank related errors, she told me that she was going to once again review my checking account so she placed me on hold for about 3 to 4 minutes and when she returned she informed that the {$35.00}, courtesy overdraft fees given to me appear to have been given to me as an error by the bank because I wasn't suppose to have received them at all because no overdraft fees were ever charged to my checking account. I was left speechless and shocked because that didnt make no sense at all. Obviously, I called in at some point to have those same overdraft fees reversed/credited for a specific bank error related reason. Obviously the Capital One Bank XXXX customer service representative who assisted me also must have seen, verified and confirmed the same overdraft fees before reversing/crediting them. I know for a fact that those same overdraft fees were definitely caused by and existed because of a bank related error. This entire situation has now made me sicker than I originally was. I have several upcomng mandatory XXXX coming up and this unnecessary stress isnt helping my worsening agonizing pain and other deteriorating health conditions at all, it just adding on to all of them. 

Again, Im just too weak, unhealthy and balance unstabled to be out in those type of dangerous and life threatening weather conditions : XXXX : XXXX My scheduled XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX was canceled and will be rescheduled six months after my XX/XX/XXXX, XXXX XXXX XXXX   XXXX.

Company response to consumer: Closed with explanation