Consumer complaint received 2017-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
CORRECTION : DUE TO TYPOGRAPHICAL ERRORS, PLEASE DISREGARD & DISCARD OF MY PREVIOUSLY FILED COMPLAINT AGAINST THIS COMPANY ( COMPLAINT NUMBER : XXXX XXXX & PLEASE ACCEPT THIS CORRECTED NEW COMPLAINT, IN ITS PLACE. PLEASE ALSO SEND THIS CORRECTED NEW COMPLAINT TO THE COMPANY : My boyfriend, XXXX XXXX, is also filing her separate complaint regarding the same companies and issues. Capital One Bank together with XXXX is forcing me to sign up my Essential Checking Account Debit Card for a service I do n't want or need to sign up for. And after having no other choice and being forced to sign up my Essential Checking Debit Card for the service, I quickly discovered, after reading the terms and conditions and clicking on the Contact Us tab, that the XXXX XXXX XXXX is only good for Capital One Bank 's 360 Checking Account Debit Cards and not for Capital One Bank 's Essential Checking Debit Cards. I have an Essential Checking Account and Debit Card so why are Capital One Bank and XXXX forcing me to sign up and use a service that 's not even intended for my Capital One Bank Essential Checking Account and Debit Card? Both Capital One Bank and XXXX are now blocking my access to my own hard earned money whenever I want to send money via XXXX XXXX or make online purchases with several merchants. I feel like my money is being and/or has been kidnapped or hijacked for a ransom by Capital One Bank and XXXX. When I get to the submit portion of my XXXX XXXX money transfer, I quickly get a pop up screen telling me that Capital One Bank would like to make this a more secure transaction by having me sign up for a XXXX service entitled, XXXX XXXX and once that pop up shows up or you click on the Help link, at the bottom of the pop up, there 's no way to go back, bypass, reject or cancel the pop up so now you have no other choice and are forced to sign up for the XXXX XXXX service, whether you want to or not or whether you need it or not. The Return To SecureCode link at the bottom of the Help pages, never works so now you have to totally delete the app of the merchant you were using and totally reinstall it again. This is the time wasting ordeal Capital One Bank and XXXX put you through : After searching your bank 's name, it gives you the following two choices for Capital One Bank : Capital One Debit Cards /Capital One Debit Cards beginning with XXXX or XXXX but no matter which one of the two you choose, it wo n't successfully register any Capital One Bank Essential Checking Debit Cards. It endlessly keep displaying the following error message : " The Credentials Supplied Are Incorrect. '' Capital One Bank 's 800 Essential Checking customer service representatives quickly, tell you that the only way to fix the problem is to open a Capital One 360 Checking account and without warning they very quickly transfer your call to Capital One Bank 's 360 checking customer service department. These actions are forcing endless Capital One Bank Essential Checking customers to forcibly open up Capital One Bank 360 checking accounts just so they can use a Capital One Bank Debit Card to make online purchases or send money transfers with several merchants. These are nothing more than very unprofessional, untrustworthy, unfair, unlawful, unjustifiable, unnecessary, unwanted, unwarranted, conviving, abusive and deliberate harassing attempts by Capital One Bank to forcibly cross sell their Capital One Bank 360 checking accounts by forcibly scamming and harassing their customers to register for and use XXXX XXXX while, at the same time, XXXX is also harassing and forcibly cross selling their XXXX XXXX service to Capital One Bank 's customers by blocking and denying those same Capital One Bank customers, access to their own personal monies, whenever they want or need to use their Capital One Bank Essential Checking Debit Card to make purchases or send money transfers with several merchants. This is also nothing more than a Capital One Bank and XXXX, unlawful Banking Venus Fly Trap for Capital One Bank and XXXX only knows, how many more other endless and different financial institution customers!!!! Plus because of the lack of helpful information and assistance offer by Capital One Bank and XXXX, I ca n't even determine if the XXXX XXXX pop ups I 've encountered several times in the last few days are fake fradulent pop up scams being implemented by other parties, not associated or conducting business with Capital One Bank nor XXXX!!!! As of yesterday, Capital One Bank quickly started directing me to XXXX to resolve this issue but when I contacted XXXX, XXXX quickly directed me back to Capital One Bank to resolve this issue. Capital One Bank and XXXX are now both placing me in an eternal revolving door and giving me the eternal run around from XXXX. Now, all of a sudden, no one at Capital One Bank nor XXXX seems to know what 's going on or causing this issue and because of that lack of knowledge, I refuse to add any more money to my Capital One Bank Essential Checking account until I definitely know that the several XXXX XXXX pop ups I encountered in the last few days, where I was also forced to enter my highly personal and banking information were n't fake fraudulent scams implemented by other parties not associated or conducting business with Capital One Bank nor XXXX!!!! I feel like I 've abusively, forcibly and for no lawful reason at long been placed into a financial and physical straitjacket, HELP!!!! I am currently also looking into my legal options to protect other consumers and myself from these types of unprofessional, unlawful and unfair business practices, tactics and scams!!!! Capital One Bank and XXXX are unprofessionally, unlawfully, unjustifiably, wrongfully, unfairly and forcibly cross selling the XXXX XXXX service to Capital One Bank Essential Checking customers knowing that that service is only for Capital One 360 Checking customers, UNREAL!!!! Please refer to the attached supportive photos!!!!

Company response to consumer: Closed with explanation