Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a new complaint because my prior complaint ( ID XXXX ) was improperly closed without allowing me to dispute the companys response. Capital Ones response was inaccurate, incomplete, and intentionally avoided addressing the most serious violations. These issues remain entirely unresolved. 

I am requesting immediate supervisory review due to the severity of the misconduct. 



SUMMARY OF MISCONDUCT Capital One executed a levy against me using a legal order issued under the wrong name : XXXX XXXX, which is NOT my legal name and has never been my legal name. They froze my accounts for MORE than the judgement amount, seized my money, and forced BOTH accounts into negative balances exceeding- {$1300.00} each, all without verifying identity, without proper notice, and without providing any judge-signed writ of garnishment. 

Capital One has repeatedly failed to provide ANY legally required documentation supporting their actions. 



DETAILS OF THE VIOLATIONS XXXX. Capital One enforced a levy against the wrong person The levy order was issued under the name XXXX XXXX, not my legal name. 
Capital One did NOT verify : Name SSN Date of birth Address Court records Writ authenticity A bank is legally required to confirm identity before enforcing a levy. 
They did not. 



XXXX. Capital One still has NOT provided ANY copy of a writ of garnishment They have not produced : A judge-signed writ A legal garnishment order Court documents Any verification that the order is valid or applies to me Any confirmation from the issuing court If Capital One can not produce a writ, then they acted without lawful authority and unlawfully seized funds. 



XXXX. Capital One seized MORE THAN the alleged levy amount Instead of holding only the levy funds, Capital One applied an unauthorized and ILLEGAL blanket freeze to BOTH accounts and took far beyond the levy amount. 

This resulted in : Checking account going to approx. {$1300.00} Savings account going to approx. {$1300.00} Actual levy amount significantly exceeded Funds being removed beyond available balance A legal levy can not : Create a negative balance Pull funds from multiple accounts beyond the levy total Overdraft accounts Freeze unrelated funds What Capital One did is not a levy it was an improper administrative freeze. 



XXXX. No notice was provided before freezing my money Capital One claims they mailed a notice the next day, but I received nothing before or after the freeze. 

Freezing an account before notice is a violation of procedural requirements and deprived me of the chance to respond or resolve the issue. 



XXXX. Capital One failed to provide any required documentation upon request I requested : The writ The levy order Verification documents Court paperwork Internal processing logs Identity match documentation Capital One provided none of these. They ONLY provided request from collector. That is NOT court issued or signed by a judge. NOR was the judgement levy amount or name correct. 



XXXX. Capital One misrepresented their actions in their CFPB response Their response : Ignored the wrong name Ignored the missing writ Ignored the excessive seizure Ignored the negative balances Ignored the blanket freeze Ignored the lack of notice Ignored multiple requests for documentation Their response simply stated a levy existed, without proving it or addressing their violations. 



XXXX. My previous complaint was closed prematurely by the CFPB I was not given the required opportunity to : Review the companys response Dispute their response Submit documentation Provide corrections Closing a complaint without consumer dispute violates CFPB complaint procedures. 



RESULTING HARM Because of Capital Ones actions, I experienced : Frozen access to all funds Inability to pay bills Both accounts being forced into deep negative balances Severe financial hardship Emotional distress Time spent correcting an error that should never have occurred Ongoing lack of access to documentation Risk of credit harm from unlawful negative balances REQUESTED ACTION I am requesting : XXXX. Immediate reopening and supervisory review of my prior complaint ( ID XXXX ). 
XXXX. A mandatory requirement that Capital One produce the judge-signed writ of garnishment. 
XXXX. A requirement that Capital One provide verification showing the levy legally applied to me. 
XXXX. Investigation into Capital Ones wrongful seizure of funds and excessive freezing of accounts. 
XXXX. Correction of the negative balances caused by their unauthorized freeze. 
XXXX Review of CFPBs failure to allow consumer dispute before closing the complaint. 



This complaint involves wrongful garnishment, identity verification failure, unauthorized seizure of funds, and serious procedural violations. Immediate review is necessary.

Company response to consumer: Closed with explanation