Consumer complaint received 2015-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX, MA XXXX XXXX XXXX, 2015 capital one 360 ATTN : XXXX, MN XXXX Re : Estate of XXXX Date of Death : XXXX Dear XXXX : I am the Executor of the above estate. It is my understanding that the Decedent owned one or more accounts with your institution. Attached is a certified copy of the Letters of Administration for your records. 
DAMAGES FOR LOSS OF USE : These are the awards that are made to compensate for a loss of the use of something that would ordinarily earn money. {$1700.00} DAMAGES AND COSTS : the phrase that binds the defendant appealing the award against him to pay the amount of them judgment and interest if his appeal fails. {$130000.00}. 
Also, my client has XXXX capital one credit card account. He is seeking {$260000.00} in damages. for his checking account getting closed. Moreover, saving accounts the XXXX account numbers are XXXX the demanding amount that owed {$130000.00} the XXXX credit card account XXXX. The demanding sum {$130000.00} DOUBLE DAMAGES : " Twice some actual damages as found by the verdict of a jury allowed by statute in some cases of injuries by negligence fraud or trespass. XXXX. XXXX Fed. Cas. XXXX ; XXXX XXXX XXXX. XXXX. ". The damage amount is {$6500.00}. 
The total sum of money my client is owed {$140000.00}. On the behalf of my client, I am demanding that he gets everything reinstated if it is not done there will be a class action lawsuit Please confirm that the Decedent did, in fact, own accounts with your Institution and the balance in each of the Decedent 's accounts as of the date of death, plus any interest that had accrued but had not yet been credited to the account. Please separately state the actual date of death balances and the accrued but unpaid interest. Finally, please also confirm the account number of each account and whether there were other joint owners of the accounts. 

A stamped, self-addressed envelope is enclosed for your convenience. Please contact me at the address given above if you have questions or need additional information. I can be contacted by phone at XXXX or XXXX. An e-mail may be sent to XXXXXXXXXXXX. Thank you for your attention to this matter. 
ACCOUNT ACTIVITY : The movement of funds in an account. An account statement is a resulting document. 

INTERBANK DEPOSIT : A temporary deposit to prevent default. Also called hot money. 
CLEARINGHOUSE INTERBANK PAYMENT SYSTEM ( CHIPS ) : " A private sector fully automated CLEARINGHOUSE system in the United States that is used for dollar based checks and fund transfers as well as payments associated with securities transactions and FOREIGN EXCHANGE trades. '' BANK INSURANCE FUND ( BIF ) : A fund whose deposit money is insured by a commercial bank. It is administered by the Federal Depository Insurance Corporation or the FDIC. 
BANK DEBITS : When money is taken from an account by the customer. It is used to predict trends and cash demand.. My client is demanding that his debit card be reinstated asap as well as his checking account and his XXXX saving accounts.. 

CAPITAL ACCOUNT : " In financial accounting the capital account is XXXX of the accounts in shareholders ' equity. Sole proprietorships have a XXXX capital account in the owner 's equity. Partnerships maintain a capital account for each of the partners. '' Sincerely, XXXX XXXX XXXX Barrett 10 Overlook Ridge Dr # 634 Malden, MA XXXX XXXX XXXX, 2015 capital one 360 ATTN : XXXX PO Box 60 St. 

XXXX, MN XXXX Re : Estate of XXXX Date of Death : XXXX Dear XXXX : Also, to this, my client is owed {$1700.00} he would like that to be returned to his checking account the name of

Company response to consumer: Closed with explanation