Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

XXXX XXXX XXXX XXXX XX/XX/2022 @ XXXX from XXXX - I received a group text to me about working as a PA part-time. It stated, " Serious person needed urgently for the job ; work from home job {$600.00} per week ... 100 % legit ; it doesn't disturb your current job if you already have one ; location and working experience doesn't matter ; will pay you in advance to give you assurance of steady pay ; for full details and application visit https : XXXX ( XXXX XXXX XXXX  ). I click the link sent and applied. XXXX @ XXXX from XXXX - I received confirmation text of my application. XXXX @ XXXX from XXXX - I received another confirmation text of my application. Then I received a text by someone named XXXX XXXX. He asked if I was still interested. XXXX @ XXXX - He texted to please let him know if I'm not interested in the job so that he can contact the next applicant. XXXX @ XXXX - I texted, " Yes, I'm interested. " XXXX @ XXXX - He that that my duties were to shop for gifts, pay bills and receive mail and packages. He asked if he could trust me with this job. XXXX @ XXXX - I texted, " Yes, no problem. " XXXX @ XXXX - He texted that I got the job and proceeded to verify name and address. XXXX @ XXXX - He texted that he supplies artwork to a company recently so he will instruct them to issue a check for {$1900.00} to me. He instructed me to deposit said check to my bank account once received then deduct {$600.00} as my 1st weeks wages and keep the remaining {$1300.00} safe for him and if I understood. XXXX @ XXXX - I texted yes then asked, " Can I also get a copy of the invoice proved to my email XXXX? '' No response. XXXX @ XXXX - He texted that he will keep me posted with all the necessary details once the check is mailed out to me and to save his contact info. XXXX @ XXXX - I texted XXXX @ XXXX - He texted that XXXX will deliver a XXXX of {$1900.00} to me soon. {$600.00} for me as XXXX week pay and {$1300.00} for artwork he requested to buy which XXXX will deliver to me. XXXX @ XXXX - I texted I understood. XXXX @ XXXX - He texted that the check has been delivered to my mailbox that day and asked when will I be able to deposit the check. XXXX @ XXXX - I texted, " Same day received. " XXXX @ XXXX - XXXX received mailed check and reviewed it and the envelope it came in ( check, dated XX/XX/2022, was written from a XXXX XXXX check with what seemed incomplete/fake street address, drawn from a company called XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX ; XXXX from XXXX XXXX Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) . I texted that it may take up to 5 business days for the check to clear and texted him some of my concerns such as why the check company/location and the senders company/location weren't the same ; what assurances did I have that if the check doesn't clear for whatever reason, that I'm not held responsible ; once deposited, am I using my check card to the account to pay COD ; before depositing the check, I needed a receipt or invoice associated to the transaction that I was performing and for it to be sent to my email. XXXX @ XXXX - He texted in response stating, " First, the check will clear within 24 hrs, not 5 days. I told you the check is from the person I supplied artwork so the company is one of his companies and company is not his residence. You are to deduct {$600.00} as your first week pay then send {$1300.00} to the artwork seller. No transaction receipts will be sent to you because you are just my PA... You can mail the check back if you are not interested in the job anymore. Thanks '' XXXX @ XXXX - I texted, " XXXX '' XXXX @ XXXX - He texted me XXXX XXXX and asked when will I be able to deposit the check. XXXX @ XXXX - I texted that it was done but hasn't cleared yet. He texted to send the picture or screenshot of the deposit. XXXX @ XXXX - I texted him a screenshot of my email confirmation of the check deposit. XXXX @ XXXX - He texted asking if I made a mobile XXXX @ XXXX - I texted XXXX @ XXXX - He texted that the money will be available sooner, not 5 days. To let him know once the money is available in my account. XXXX @ XXXX - I texted XXXX @ XXXX - He texted to keep him posted tomorrow. Afterwards I looked up the company on the check and sent a note to them, via there website, asking if someone from accounts payable can contact about a check that was supposedly written by them. A gentleman by the name of XXXX called and stated that the check was fraudulent and that it will be rejected if cashed. He explained as a protection of their finances, they have to scan each check they write to a system that tracks fraud so that aren't liable for fake checks written in they company name. I told him thank you for the info and stopped all contact with individual named XXXX XXXX. Once it was confirmed that the check was fraudulent, I immediately called Capital One fraud department and left a vm about the check, not to cash it. Later I filed a complaint online with the FBI. **A few days later my bank account ( s ), checking AND savings, were closed by the bank indefinitely, with the explanation that fraudulent activity occurred with my checking account and that Capital One wanted no longer to do business with me. I was appalled and felt victimized twice... once from the check sender and once from the bank. XXXX - Filed report w/FTC ( report # XXXX )