Hi, I have a business checking and savings account with Capital One. The account spark business, is basically a business checking and savings account which is basically online only. MY CONCERN IS, starting by the fact that the discrimination that I am experiencing with them is beyond imagination the fullest extent. I do not have time to mention the list of violations including civil role criminal law on a state level and a federal level. Allow me to explain, there has never been a single time that I called and the first question they asked was if they are speaking to XXXX XXXX, this is an assault it is unethical immoral and illegal especially when they knew they are. My proof that they knew they are is very simple, every time I called in and it was just a question that had no issue and they were extremely helpful and always ended the call with how much the value relationship. <P/>Only and only and only when I called in with a problem then the first thing they told me is they are not able to find my account number does not exist in the system but after not letting myself and having rights already rise up to the roof and several XXXX XXXX did me the biggest favor and transferred me to a different department and that department they were not able to help me they started out by asking me if I 'm speaking to the right person.. this is an assault and I expect consumer financial protection Bureau to take legal action to the fullest extent of the Law, not because of me because I have no doubt they are doing this to other customers in situations when they need liquidity in order to pass a stress test and refuse to answer questions in order to steal money. In my situation I receive the email the email said I need to call in the special department to verify recent activity, I indeed called in and as usual they asked me are we speaking to the right person I was smart enough not to tell them yes because then they would tell me we believe we are not and therefore can not help you. Being the fact that I was smart enough to do that based on the abuse they did to me before, I them NO YOUR NIT SPEAKING TO THE RIGHT PERSONA ( which is me XXXX XXXX ), so they told me we can only speak to the person that is the holder of the account. I went to my brother and I told my brother I need a favor please and please get this resolved for me because my account was frozen. He called in and there was no issue in fact they released everything to him, I actually do not mind but imagine me being the older of this account is always questioned if there speaking to the right person. <P/>My current situation is after receiving the email beginning of the week that I need to call in to verify recent activity and I finally verify it only because my brother did me a favor they told my brother that they took off the restriction everything with my account is good. Now I would like to explain what happened afterwards and I would like the consumer financial protection Bureau not only to help me but directly review the miscondud of this financial institution. <P/>I made a credit card payment, and the payment was returned with the reason account frozen. It had a huge impact to me and a huge damage because it was around credit card and was the first payment I made because it was returned they close my credit card and this has a terrible impact on my credit report. Secondly I wrote out a check and the check was returned and then another check and was returned which basically ruined my reputation an had to pay them each time a {$35.00} fee, and I basically did not know what to do because I was not able to call in because I was not able to tolerate discrimination of being asked if they are speaking to the right person. However, a day later I received the email telling they are unable to honor this check and they provided a special number to call in. So I called him and they asked me a million questions to verify on the right person and they told me we really apologize but although you identified yourself but we have reasons to believe we are not speaking to the right person and therefore we are unable to help. I would like to ask the consumer financial protection Bureau if there 's anything worse than this? Because at this point I have both my accounts money which is frozen I have no access to it and I need help. What 's the most interesting part of this is that my account is completely restricted I have no access to anything now listen to this the only thing he told me I am able to do is make deposits. Some are supposed to have a XXXX XXXX or am I supposed to verify if I 'm dreaming? How dear a financial institution take MY MONEY AND RESTRICT IT ( STEAL IT ), and then be so kind to me and tell me that we allow you to make deposits. Wow I have no words. <P/>I went into a financial institution a real branch with all my identification and I told the teller I want to withdraw money from my account, and she told me I see in the notes from the back office that they wrote " DEBITS ARE NOT ALLOWED ''. <P/>the best part is, I also have XXXX credit cards linked to this account, meaning every time I want to make a payment I use this account, however as we speak my credit card balances is double the amount frozen in my account, meaning should they continue the discrimination " BY ACCUSING ME, AGAIN ACCUSING IS A CRIME '', I WILL DO EXACTLY WHAT THEY DO, WHICH IS NOT PAY MY XXXX CREDITS CARDS, AND THEY WILL NOT BE ABLE TO HOLD ME LIABLE NOR REPORT IT TO MY CREDIT REPORT " BECAUSE THEY SAID THAT I AM NOT THE RIGHT PERSON '', .TO MY KNOWLEDGE IF SOMETHING IS NOT MINE THEY CAN NOT HOLD ME LIABLE NOR REPORT IT TO MY CREDIT REPORT!!! <P/>However, I do have Ethics, and I will NOT follow the financial corruption, and I will pay it by other means. <P/>Sorry I 'm a terrible writer, and even worse to express my feelings. I just hung up from them, and again was told " we can only speak to the right person '' whatever that 's suppose to mean on this universe ( but I do appreciate for them allowing me to make deposits ). I ask the CFPB to take legal action against them and sue them for theyre illegal practice, and all money from the lawsuit is for the CFPB, all I want is for them to remove the freeze from my account, and not close it, although they always like to use the reason, " it 's in the terms in conditions we are always allowed to close accounts '', but when it 's so obvious they are closing it due to pressure from CFPB then I do n't want it closed, after all the account has a great feature for mobile deposits, and if only they would stop this discrimination I 'll be very happy! the only thing I do not know is how I 'll overcome this abuse. <P/>Thanks