Consumer complaint received 2024-05-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital one put a restriction on my account. I send a remittance coupon with a restrictive endorsement. ( 12 CFR 1005.30 - REMITTANCE TRANSFER DEFINITIONS. ) ( 18 U.S. Code 655 - Theft by bank examiner ) ( 31 CFR 328.8- LOSS, THEFT, OR DESTRUCTION OF SECURITIES BEARING RESTRICTIVE ENDORSEMENTS. ) On XX/XX/year>. Tracking number XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX another letter was send tracking number XXXX XXXX XXXX XXXX XXXX XXXX. I never give Captial One permission to put restriction on my account. Capital one is a foreign company to CAPITAL ONE FINANCIAL CORPORATION. ( XXXX XXXX XXXX XXXX XXXX reporting XXXX, XXXX, XXXX will show that ). Serveral payment have been made, as shown on my statement. They never acredit my account for the ach payment. ( XXXX XXXX XXXXXXXX same day transactions/Payment ) I paid with an closed account that carries {$250000.00} from the FDIC - ( Federal despository insurance company ). My Transaction are private with this closed account. Captial One unlink my bank accouunt information that payments was made with. Captial one is the account holder. XXXX XXXX is the account owner. A copyright notices has been sent along with the power attorney over the account. Captial One can not lend credit. No bank can lend credit nor money. ( 12 USC 615 - POWERS OF CORPORATION ) ( 12 U.S. Code 1431 - Powers and duties of banks. ) ( 12 USC 91 - TRANSFERS BY BANK AND OTHER ACTS IN CONTEMPLATION OF INSOLVENCY- All transfers of the notes, bonds, bills of exchange, or other evidences of debt owing to any national banking association , or of deposits to its credit ; all assignments of mortgages, sureties on real estate, or of judgments or decrees in its favor ; all deposits of money, bullion, or other valuable thing for its use, or for the use of any of its shareholders or creditors ; and all payments of money to either, made after the commission of an act of insolvency, or in contemplation thereof, made with a view to prevent the application of its assets in the manner prescribed by chapter 4 of title 62 of the Revised Statutes, or with a view to the preference of one creditor to another, except in payment of its circulating notes, shall be utterly null and void ; and no attachment, injunction, or execution, shall be issued against such association or its property before final judgment in any suit, action, or proceeding, in any State , county, or municipal court. ) 12 USC 95 A ( 2 ) ) - ) Any payment, conveyance, transfer, assign-ment, or delivery of property or interest there-in, made to or for the account of the United States, or as otherwise directed, pursuant to this section or any rule, regulation, instruction, or direction issued hereunder shall to the extent thereof be a full acquittance and discharge for all purposes of the obligation of the person mak-ing the same ; and no person shall be held liable in any court for or in respect to anything done or omitted in good faith in connection with the administration of, or in pursuance of and in reli-ance on, this section, or any rule, regulation, instruction, or direction issued here under.

Company response to consumer: Closed with explanation