Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (WY)

FAILED CEO AND BOARD MEMBERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAVE AS LEADERSHIP OF A BANK THAT ISSUES CASHIERS CHECKS THAT ARE FRAUDULENT ENGAGE IN DISHONEST AND HARMFUL BUSINESS PRACTICES THAT NEED INVESTIGATING. XXXX XXXX in the presidents office and through his representative, XXXX XXXX have engaged in dishonest and bad business practices. There is no reason for a bank as large as Capital One to BOUNCE A CASHIERS CHECK and then their representative tried to lie about it and tell me that I needed to try to deposit at another bank. That is how dishonest they are. Then XXXX the XXXX repeatedly lies about trying to get a replacement check to me only for me to find out that it was all lies and the check was never sent. This is how incompetent and malicious they are. 
My checking account with Capital One was closed at the end of XX/XX/XXXX. I am XXXX and had set up my XXXX check to be deposited directly into the Capital One checking account. In the account were several deposits that had been made for my social security. Since the account was closed, I have not had access to any of my money from my XXXX payments. A Capital One manager told me that my money would be mailed to me within 6 days ( there is a record of this. ) This has not happened. This has prevented me from being able to buy medically necessary medications and it prevented me from being able to pay rent resulting in ongoing financial devastation including eviction. It has prevented me from the use of my money while they have benefitted from withholding it from me ( interest. ) Capital One employees have been beyond discourteous when speaking to me, unhelpful, dishonest and downright malicious. The only way I was told that I could obtain my funds was when they mailed me a check which was to have been 6 days from the date the account was closed. As of two days before XXXX almost exactly a year later, I have been lied to multiple times by Capital One telling me that theyd mailed a check to me several times. This was not true. In the attached voice recording it confirms that they never mailed the check because they used XXXX and saw that it was an attorneys office so they did not mail it all the while lying and saying that they had previously then I was finally told oh, the reason it wasnt mailed was because we used XXXX and saw it is an attorneys office. I am a victim of domestic violence and as a safety precaution I have my mail sent there as I have a right to do under laws protecting victims of domestic violence. Capital One representative finally delivered to me a cashiers check via XXXX  on XX/XX/XXXX. I deposited the check and it bounced twice and I have incurred two {$24.00} returned check fees as a result of Capital One issuing me a bad check. I still have not received the monies that Capital One is holding from multiple XXXX  deposits. I have suffered extreme and repeated financial and psychological abuse from Capital One representatives from them refusing to return my funds to me, lying about checks being mailed, and gaslighting me by trying to tell me that they werent responsible for the check being returned when they knew or should have known that they were sending me a bad check. This is a FDIC regulated bank. All of these conversations have taken place over the phone and all have been recorded by Capital One. I believe that Capital One has violated State and Federal Laws by its actions towards me. Their actions have resulted in extreme undeserved harm towards me and are a violation of my rights under law. I am asking for assistance from your agency with this matter. I am also willing to participate in any legal action against Capital One for the harm that they continue to cause. When you hear the recordings of their employees they have no shame in executing the abusive practices of Capital One. They lie and they lie and they lie and it is all on record.

In order to resolve this matter Capital One should overnight a check in the equal to the amount of all funds, the two {$24.00} returned check fees charged to me, interest on monies held immediately. They also owe me for the damage and mental anguish that they have caused.