Consumer complaint received 2018-09-06
Product: Checking or savings account 
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint:
On XX/XX/18, I went to see my doctor because I had a XXXX XXXX XXXX XXXX XXXX around the XXXX XXXX of my XXXX and I was informed that I needed emergency XXXX  XXXX XXXX. I never went back home. On XX/XX/18, I had that same emergency XXXX XXXXXXXX XXXX and that same night I was rushed back to the emergency room because I had developed a very bad and XXXX XXXX   XXXX in my XXXX XXXX and I was XXXX larger amounts of XXXX than expected in my XXXX. Ive also lost an unexpected, alarming and unexplainable amount of weight since XX/XX/18. Combined with my other medical conditions and upcoming surgeries Im definitely not in a very good state of health right now. Til today Im still recovering. Since the morning of XX/XX/18, until now, I havent been able to conduct any of my regular personal or financial duties and Ive fallen into a bit of a unexpected temporary financial hardship but Capital One Bank 360 doesnt want to reverse any of the overdraft fees my Capital One Bank 360 checking account has received from XX/XX/18, to the present. I called in and even before I gave the Capital One Bank 360 800 customer service representative any of my Capital One Bank 360 checking account information, I quickly explained my health related information to the Capital One Bank 360 800 customer service representative and she quickly told me that health or medical related issues, even emergency life threatening ones werent considered bank related errors so that she couldnt fully understand nor comprehend why I was calling Capital One Bank 360s 800 customer service in regards to the overdraft fees, my Capital One Bank 360 checking account had received from since I fell ill on XX/XX/18, to the present. I got so upset that I just hung up on her. Part of my XXXX XXXXXXXX was cut into and removed, Im still XXXX heavy XXXX in my XXXX, I now have a XXXX XXXX XXXX in my left XXXX, Im in a lot of constant pain and always very weak. I can hardly think, walk, talk, sit, bend, eat, lay down, stand or use the toilet. Im basically bed-ridden and the Capital One Bank 360 800 customer service representative was giving me a very heartless and careless felt insulting hard time even before I gave her any of my Capital One Bank 360 checking account information. When I spoke with both my attorney and medical case worker during a conference call, my attorney and medical case worker quickly directed me to file this complaint and my medical case worker also quickly reached out to several consumer protection groups and two of those consumer protection groups in particular have informed her that theyre going to send each and every medical establishment Capital One Bank does any form of financial business with my story. Yesterday afternoon my attorney and medical case worker called me and they conferenced me in with more than five different investigative units of several national and local news media outlets, the media outlets all wanted to know about all of my medical conditions, future surgeries and the Capital One Bank 360 overdraft fees in question here.

Ill also be faxing all of my supportive medical documentation and this complaint to your offices at CFPB.

Company response to consumer: Closed with explanation