Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

XXXX XXXX, Capital One Ref # XXXX Fraud, Identity Theft Capital One owes me XXXX from the XXXX check I deposited into my checking account on XXXX XXXX XXXX 
They are refusing to close my account as of today XX/XX/XXXX and send my money they owe me! 

They are thieves at this point and I will file small claims court if I have to! 

Hello Capital One, Yesterday, I forwarded copies of all the police reports that I have filed since I have been trying to move to XXXX XXXX for XXXX XXXX and employment. Firstly, I am actually fleeing a Toxic Family situation in XXXX XXXXXXXX XXXX  Me and three cats left for XXXX XXXX, about XXXX of this year knowing the following facts to be true on my attempt try and make a new start for me and my three cats XXXX XXXX XXXX XXXX, XXXXXXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXX ( all girls in my family ). 

Here are the true facts about me, my personal situation and how my account with Capital One went off the rails and was NEVER made my funds available to me for what I needed them for, I spoke with the Attorney Generals office of Nevada, told her my situation and she told me that I, as the customer, should have never been locked out of my account and actually accessing the funds that were in my account : -- -- -- -- -- Forwarded message -- -- -- -- - From : Library Document XXXX Date : Wed, XX/XX/XXXX at XXXX Subject : Ref XXXX To : XXXX Cc : XXXX, XXXX Attn XXXX XXXX XXXX XXXX Capital One Ref # XXXX Fraud, Identity Theft Hello XXXX XXXX Yesterday, I forwarded copies of all the police reports that I have filed since I have been trying to move to XXXX XXXX for XXXX XXXX and employment. Firstly, I am actually fleeing a Toxic Family situation in XXXX XXXX XXXX  Me and three cats left for XXXX XXXX, about XX/XX/XXXX of this year knowing the following facts to be true on my attempt to try and make a new start for me and my three cats XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXX ( all girls in my family ). 

Here are the true facts about me, my personal situation and how my account with Capital One went off the rails and was NEVER made my funds available to me for what I needed them for, I spoke with the Attorney Generals office of Nevada, told her my situation and she told me that I, as the customer, should have never been locked out of my account and actually accessing the funds that were in my account : 1 Leaving Toxic Family situation 2 Came to XXXX XXXX for XXXX XXXX, cost of class was {$550.00} plus living expenses was my budget to move - XXXX XXXX Had a toxic vehicle that I sold to XXXX the week I arrived and deposited my {$1500.00} check from XXXX the week I arrived, those funds were only for dealer school and living expenses 4 My old industry is imploding on itself, there is no real work, everyone and every company is bankrupt right now. 
5 I lost my real employment from the industry in XXXX went through a personal bankruptcy in XXXX I have no other credit cards or funding options XXXX XXXX employed me for 20 years, they owe me a pension, but refuse to give it to me, no lawyers will take my case either to get a disaster clause early release to live on. 
7 Tried to start a class action lawsuit against XXXX XXXX for ten years of employment applications submitted and XXXX interviews, or employment. 
8 Started my own business in XXXX love it,, but have never seen a XXXX in funding from the private markets or the US SBA, tried to start a class action lawsuit against the US SBA, they have twice denied my business for funding, they are happy to give our tax dollars to foreigners., but don't take care of the people who already live here. 
9 Women entrepreneurs here in the USA only receive 2 % of available funds from our XXXX and XXXXXXXX XXXX you can liken this massive disparity to actually winning the lottery should you get your business funded : XXXX 10 Since moving to XXXX XXXX for a new income stream and new career we have been robbed multiple times, XXXX, to the XXXX for a XXXX and personal injuries. 
11 We had everything we needed to survive in a storage unit XXXXXXXX XXXX XXXX XXXX and I have not had access to my funds to pay them, we owe them {$250.00} to get my unit back, it goes to auction this week, documents, BC, SS, work clothes, sentimental family heirlooms, cat stuff, my art portfolio off my own XXXX, I have a XXXX XXXX XXXX and my XXXX  from college to now, is in that storage unit, ; please help me get my things back. 
12 My XXXX children, cats are all deceased, XXXX XXXX, and XXXX and XXXX died from the move here, we were supposed to go to XXXX XXXX, the week of XX/XX/XXXX15, and did not have the card or funds available to get a motel and get us out of the massive heat here, they died from XXXX XXXXXXXX and I will never forgive myself for letting that happen. 
13 The last card that Capital One issued me, I took it the Capital One XXXX that week and when I put it into the ATM to activate it, it would not activate and did not let me assign a new PIN #, and that same very evening the last card I received was stolen on Fashion Show Mall property, just outside your officeces. 
14 I am not a criminal, and I could not have made any purchases myself, I never had the card, and I would only use the! XXXX budget I had for school or hotel, or phone, not another charge could have been made from me, the XXXX funds were only to be used for class, hotel and phone. 
15 Please credit me the full {$1500.00} that I deposited for my employment and close my account quickly, so I can finally move on. 
16 Please get me my storage unit back, with all the late fee 's and not being paid for 2 months, my outstanding bill to XXXX XXXXXXXX XXXX XXXXXXXX is {$250.00}, they are sending my items to auction this week, because you have not made my funds available to me and my cats, who also perished in from not being able to be taken care of the way they deserved. 

I have also attached all the police reports, please include them into your investigation, you should also understand, customers with low credit scores don't have other forms of payment options available to them. 

I am still living in a shelter, trying to get by one day at a time, please help me get my XXXX check from XXXX that was intended to give me a new start, I am not the criminal in this situation. 

Kindest Regards, XXXX XXXX Show quoted text Show quoted text -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Date : Mon, XX/XX/XXXXXXXX XXXX XXXX Subject : Re : [ External Sender ] Re : Ref XXXX To : XXXX Thank you for contacting the Capital One XXXX XXXX 
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests. 


General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer. 





-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Mon, XX/XX/XXXXXXXX XXXX XXXX  Subject : XXXX : [ External Sender ] Re : Ref XXXX To : XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Date : Mon, XX/XX/XXXX, XXXX XXXX Subject : Re : [ External Sender ] Re : Ref XXXX To : XXXX Thank you for contacting the Capital One XXXX XXXX 
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests. 


General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer. 





-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Mon, XX/XX/XXXX, XXXXXXXX XXXX Subject : XXXX : [ External Sender ] Re : Ref XXXX To : XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Mon, XX/XX/XXXX, XXXXXXXX XXXX  Subject : XXXX : [ External Sender ] Re : Ref XXXX To : XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Date : Mon, XX/XX/XXXX, XXXXXXXX XXXX Subject : Re : [ External Sender ] Re : Ref XXXX To : XXXX Thank you for contacting the Capital One XXXX XXXX 
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests. 


General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer. 




Show quoted text -- -- -- -- -- Forwarded message -- -- -- -- - From : Mail Delivery Subsystem XXXX Show quoted text Show quoted text Show quoted text -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Date : Fri, XX/XX/XXXX, XXXX XXXX  Subject : Re : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX Thank you for contacting the Capital One XXXX XXXX 
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests. 


General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer. 





-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Sun, XX/XX/XXXXXXXX XXXX XXXX Subject : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Date : Fri, XX/XX/XXXX, XXXX XXXX Subject : Re : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX Thank you for contacting the Capital One XXXX XXXX 
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests. 


General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer. 





-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Mon, XX/XX/XXXXXXXX XXXX XXXX  Subject : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Sun, XX/XX/XXXX, XXXX XXXX  Subject : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Date : Fri, XX/XX/XXXX, XXXXXXXX XXXX Subject : Re : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX Thank you for contacting the Capital One XXXX XXXX 
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests. 


General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer. 





-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Tue, XX/XX/XXXX, XXXXXXXX XXXX Subject : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Mon, XX/XX/XXXX, XXXX XXXX Subject : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Sun, XX/XX/XXXX, XXXX XXXX  Subject : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Date : Fri, XX/XX/XXXX, XXXXXXXX XXXX Subject : Re : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX Thank you for contacting the Capital One XXXX XXXX 
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests. 


General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer. 





-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Show quoted text Thank you for contacting the Capital One XXXX XXXX 
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests. 


General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer. 





-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Show quoted text -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Date : Wed, XX/XX/XXXX, XXXXXXXX XXXX  Subject : Re : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX Thank you for contacting the Capital One XXXX XXXX. 
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests. 


General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer. 





-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Show quoted text Thank you for contacting the Capital One XXXX XXXX 
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests. 


General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer. 





-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Show quoted text -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Date : Mon, XX/XX/XXXX, XXXXXXXX XXXX  Subject : Re : XXXX : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX Thank you for contacting the Capital One XXXX XXXX 
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests. 


General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer. 





-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Date : Thu, XX/XX/XXXX, XXXX XXXX  Subject : Re : XXXX : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX XXXX XXXX Good Afternoon XXXX, Please be advised that your email has no information included/attached. 

Thank you! 

On Thu, XX/XX/XXXX at XXXX XXXX XXXX XXXX wrote : -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Tue, XX/XX/XXXX, XXXXXXXX XXXX  Subject : XXXX : XXXX : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Date : Mon, XX/XX/XXXX, XXXXXXXX XXXX  Subject : Re : XXXX : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX Thank you for contacting the Capital One XXXX XXXX 
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests. 


General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.

The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer. 





-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Date : Tue, XX/XX/XXXX, XXXX XXXX  Subject : Re : XXXX : XXXX : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX Thank you for contacting the Capital One XXXX XXXX 
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests. 


General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer. 





-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Thu, XX/XX/XXXX, XXXXXXXX XXXX  Subject : XXXX : XXXX : XXXX : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Date : Tue, XX/XX/XXXX, XXXXXXXX XXXX Subject : Re : XXXX : XXXX : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX Thank you for contacting the Capital One DXXXX XXXX 
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests. 


General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer. 





On Wed, XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX wrote : XXXX XXXX