Consumer complaint received 2023-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX of XXXX I filed my tax return for the year of XXXX, The estimated refund date was XX/XX/XXXX in the year of XXXX. 
Due to negligence on the behalf of XXXX XXXX XXXX XXXX, one number was missing from my account number. 
This resulted in a delay in receiving my tax return as far as I knew, I reach out to XXXX XXXX XXXX XXXX, Capital One as well as the IRS, with no clear indication as to what happened or why my tax return is this late. 
I discover on my own that XXXX XXXX XXXX XXXX made a mistake with the account number, so I then call them to seek a resolution and there's nothing they're able to do for me. 
So I then attempt to get in touch with the IRS and that proves to be difficult with two to three hour wait times, negligent workers who are bitter and overworked and resentful toward the people they have to help. 
I also made an attempt to reach out to Capital One to find out what happened, and all three companies or entities alike, gave me the runaround and told me nothing but open-ended half truths. 
During the process of them lying to me deliberately so they don't have to give me my money or resolve the issue they caused. I recorded every single phone call, documented any names and everything else that can be related to these circumstances ; in relation to all three entities and or companies. 
Capital One in response to the first claim I filed had responded directly to me by transferring the money into my account in the amount of {$1.00}, XXXX, plus 12 additional deposits that were only a mere dollar and cents amount, this is not a direct compliance with the complaint and laws surrounding my ability to file this complaint against them for negligence, considering the interest amount is not in accordance to the proper calculations of each quarter that are in accordance to IRS tax laws, 4.5 %, to 5 % to 6 % across the year of XXXX... Leading up to XXXX, the most recent change was in XXXX up to 6 % in the year XXXX, and based on my calculations considering my tax return is over 223 days late, and based on my calculations given the interest rates I'm owed XXXX to this very day, and at 6 % of XXXX that's XXXX each day I don't receive that money. 
And considering it's after a point it's no longer XXXX XXXX XXXX XXXX responsibility, because Capital One did receive the money and let someone else steal it ; This is fully capital one 's responsibility. 
And respectfully, the last complaint wasn't complied with, considering I didn't receive the XXXX I was due to receive at the time before it increased based on the IRS interest rate for LATE RAX RETURNS.

I'm also adding to the complaint that Capital One used deceptive business practices to trick the CFPB into believing that they complied, which is illegal as well if anybody would like to look that up. 
My desired resolution is to receive that XXXX dollar amount as I'm legally entitled to it, and considering Capital One told me any and all IRS deposits would be sent back and lied when they knew my money had been stolen. I fully expect you guys to reconsider your position on compliance. Especially considering I still haven't received any phone calls from your managers yet before you guys formally replied to the CFPB about my complaint, keep being deceptive and keep lying because I will keep calling until I get this money, also if you guys think it doesn't apply, you wouldn't had paid me ANYTHING at all, Especially the extra interest deposits of a few cents each, and again! That wasn't compliance since it wasn't the correct corresponding amount based on IRS quarterly interest.

Company response to consumer: Closed with explanation