Consumer complaint received 2017-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX XXXX, XXXX I, went to Capital One Bank, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX. XXXX XXXX, Texas XXXX, to withdraw funds from my account and was told by XXXX XXXX ( Assistant Branch Manager ) that I couldnt receive cash but only a cashiers check in the amount of {$12000.00}. I explained to XXXX XXXX that I have never been turned down from getting cash from my own account and that I needed the cash to disburse. XXXX XXXX then asked me if I was a tax preparer and I stated yes. She then stated to me, Looks like youre doing something fraudulent. I then told XXXX XXXX that Ive never been talked to that way and the only reason I stopped by that branch was because Id just left my doctors office nearby and it was convenient for me. I then told XXXX XXXX that I would just go to my home branch and conduct my business transaction there. 
I then went to my home branch, Capital One Bank XXXX, Texas XXXX to withdraw the cash. I was told by the teller that my account had been frozen and the she didnt know why. I then went home and called Capital One Bank, XXXX XXXX and asked to speak with XXXX XXXX, or someone in charge to get answers as to why my account was frozen without her telling me. Instead, I kept getting transferred from place to place and no one would take my calls. Not only had the account been frozen from withdrawal, I was also locked out of any access or view of my accounts online. 
A few days later a XXXX XXXX called me, he claimed to be an Investigator for Capital One Bank. XXXX XXXX then ask me if I prepared taxes and I stated yes. He then told me thats not the way taxes are done. I then told XXXX XXXX evidently you dont know anything about taxes and he became very rude and angry with me. He then asked me if I had an attorney and if I kept customers records and I replied yes and that their information was confidential. I ask XXXX XXXX why, is my account frozen? and told him, he or someone needed to meet with me and explain to me what happened. XXXX XXXX told me that he didnt need to meet with me and for what? I told XXXX XXXX that he and Capital One Bank were stealing my money and that I felt they were doing something fraudulent and he was going to be reported. 
On XXXX XXXX, XXXX, after another Dr.s appointment I returned to Capital One Bank XXXX XXXX Texas to talk to XXXX XXXX and/or XXXX XXXX. I asked XXXX XXXX why did she freeze my account without telling me, she stated Its out of my hands now and into XXXX XXXX hands. XXXX XXXX then connected me with XXXX XXXX via phone. I told XXXX XXXX that I had over {$73000.00} in the bank that I worked hard for and that he could clearly see, in black and white, that the IRS sent that money to me from my customers as payments. XXXX XXXX told me that he was sending the money back to the IRS and that it wasnt going to be {$73000.00}, it was going to be {$66000.00}. As I was talking to XXXX XXXX, my wife asked XXXX XXXX, As of today right now, XXXX XXXX, XXXX, how much are you showing in the account? XXXX XXXX stated Its showing {$69000.00} and something, as we speak. I told XXXX XXXX my savings had nothing to do with my checking account and that I needed it. He stated Im sending it all to the IRS. I told XXXX XXXX, Have a good day and my attorney will be contacting you. 
You may be as confused as we were at this point. What XXXX XXXX was telling me was that he was sending all of my money to the IRS, checking and savings. But his numbers were not matching what I know was in the account nor what XXXX XXXX was saying she could see in the account. Where were all these numbers coming from and where was the original amount? 
On XXXX XXXX, XXXX I hired an attorney. XXXX XXXX called me on XXXX XXXX, XXXX and told me he was sending me a check in the amount of {$3800.00} from my savings account and that he was sending {$66000.00} to the IRS. I received the check ( {$3800.00} ) and a copy of a screen shot from a computer. The copy of a screenshot that was sent to me was illegible. So, I took it to my Capital One branch bank and had it blown up. It was a screen shot from a computer and was dated XXXX instead of XXXX. A cashiers check sent in the future 2 years? I could also now see that this was something handwritten explaining what looks to be a possible electronic transfer of {$66000.00} requested from XXXX XXXX. It also has my FORGED signature on the bottom. 
I went to the IRS to make a complaint and try to retrieve my money. I told her my complaint was not only to retrieve my wrongfully disbursed money but that it was also done with my forged signature. I was told to fill out form XXXX and show proof of my signatures via Military ID as well as my Texas drivers license, in which I left a copy of both my signatures and the forged signature at the IRS with the complaint as requested. To this day the IRS has not contacted me about the Capital One Bank complaint. 
The Attorney sent numerous letters to Capital One Bank and stated that Capital One Bank would not answer any of them. My next step was to send a letter to Capital One Bank CEO. On XXXX XXXX, XXXX, I sent a detailed letter to XXXX XXXX XXXX, CEO Capital One Bank at, XXXX XXXX  XXXX XXXX, XXXX, Virginia XXXX. Weeks later I received a phone call from a female claiming to be from XXXX, Texas and working for Capital One. She stated that she reviewed the letter and spoke with XXXX XXXX and he told her that the IRS asked for that money. I asked the lady, Why havent I received anything from the IRS? She couldnt answer that. I was so ill at the time I didnt get her name nor make notes of the conversation. Not knowing which way to turn, I continued looking for attorneys that would help me with this bank case, but no one handled bank cases. I went back to the IRS and was told to mail a copy of the complaint to them and I may get a sooner reply. I havent heard from them yet. Finally, I found someone that told me to contact Consumer Financial Protection Bureau. And here we are today.