Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX ( XXXX ) Receipt and Perfection of Submission Request The procedures in this subsection apply to the XXXX  Coordinator. The XXXX Compliance XXXX and XXXX, Planning and Monitoring function assigns a Closing Group to oversee XXXX  Case Intake. That groups XXXX assigns a Case XXXX  Coordinator ( " XXXX  Coordinator '' ). The XXXX  Coordinator monitors the e-mail inbox and mail stop for XXXX XXXX requests received. Issuers e-mail XXXX  requests to XXXX or mail them to the addressbelow or another address posted at XXXX with directions that it supersedes this address : Internal Revenue Service Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : XXXX XXXX For each XXXX request, the XXXX Coordinator must : a. Verify the issuer submitted an executed Form XXXX, the required penalties of perjury statement per XXXX XXXX ( XXXX ) and a copy of the signed Form XXXX series information return for the bonds. Neither Form XXXX nor Form XXXX is required for an anonymous request. 
b. Research the bond issues audit history and if currently under audit, notify your group XXXX and send a copy of the submission to the exam groups XXXX, return the request to the issuer informing the issuer that XXXX is unavailable, dont establish on XXXX, and take no further action. 
Note : This step doesnt apply to anonymous requests. 
c. If the submission doesnt contain the signed Form XXXX, the required penalties of perjury statement, or a copy of the signed Form XXXX series information return for the bonds, within XXXX business days of identifying the missing information, request issuer to send the missing or incomplete information : a. Inform the issuer and the authorized representative ( per Form XXXX ), in writing, using XXXX XXXX that weve received the request but need more information before we can assign it. 
b. Identify the missing information. 
c. Request that they send the missing items by the response date that is XXXX business days after the date of the letter. 
d. Allow XXXX business days for a response to your request for additional information. 
e. Get your managers approval for any extensions ( not granted except for extraordinary circumstances ). 
f. Return the XXXX submission to the issuer using XXXX XXXX if the issuer doesnt send the information. Dont establish on XXXX and take no further action. 
XX/XX/XXXX, XXXX AM XXXX Tax Exempt Bonds Voluntary Closing Agreement Program | Internal Revenue Service XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX If the submission contains the Form XXXX, the required penalties of perjury statement, and a copy of the signed Form XXXX series information return for the bonds, either as originally submitted or after supplementation after contact, then establish and process the case for assignment per XXXX XXXX. 
Note : Processing a case for assignment or assigning the case to a XXXX doesnt waive the IRS XXXX to close the case for failing to include all of the required information and items in XXXX XXXX. 
Note : For anonymous requests, the Intake Coordinator establishes the case on RCCMS using the process in XXXX XXXX ( XXXX ) and XXXX  XXXX ( XXXX ) above but establishes using the case name " XXXX [ representatives last name ]. '' List the tax period based on the submission date and use a generic report number. List the appropriate project code for the type of bond, if you can determine it from the submitted material.

Company response to consumer: Closed with explanation