Consumer complaint received 2024-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
First of all, I do not want the brainless employee " Vi '' to handle this complaint because she did not address my previous complaints. I request a different Capital One 360 to handle this complaint. 

This complaint is the follow-up of the complaint ID XXXX. I already have created another complaint ID XXXX to follow up but the stupid employee " Vi '' marked as duplicated so I create this complaint. 

IF THIS COMPLAINT WILL BE MARKED AS DUPLICATED, THEN I WILL OPEN UP A NEW COMPLAINT UNTIL ALL OF MY QUESTIONS ARE ANSWERED. 

The XXXX employee " Vi '' still did not address my original complaint specifically. She only sent in the previous response and said the internal review of Capital One has reviewed and the banking relationship has ended. That's vague. That did not answer or tell me anything. 

So, in this complaint, I request employees of Capital One 360 to answer me specifically : XXXX what exactly did the internal panel of Capital One 360 said during their review? I deserve the right to know. 
XXXX Why the employees of Capital One 360 are very stupid, XXXX, outdated, and not up to the latest banking technology? and they work in the bank industry? 

Here is the original complaint : I also have a Capital One credit card, and I used some of my credit card to buy things for a person I know named XXXX XXXX who lives in New Jersey. XXXX XXXX uses XXXX  XXXX XXXX and has multiple investments with XXXX XXXX who is also a subdivision of XXXX  XXXX XXXX. 

If someone is an investor, he/she would know that you have an account XXXX. 

XXXX XXXX used some of his money in XXXX of his investment accounts and authorized his account XXXX who is XXXX XXXX to send me a check to pay me. However, we are in the year of XXXX, and with the latest technology these days now, bank users can also issue an email check through XXXX XXXX XXXX and send an XXXX XXXX, the recipient then can print a check and deposit it like a printed check. 

XXXX XXXX sent me a email-check on XX/XX/XXXX. I successfully deposited it the next day, but Capital One 360 pended the check until Thursday, XX/XX/XXXX. 

XXXX XXXX realized that there was a mistake that the check came from the wrong account so he requested a charge back on the check immediately and that caused the check to reverse and bounced. XXXX XXXX immediately left me a message about this but I did not check and received his message until later at night. 

On Tuesday, XX/XX/XXXX, I received an email saying that there was an unsual activity on my account and all of my accounts are restricted. I immediately called Capital One 360 and talked to a XXXX but he is both XXXX XXXX XXXX. I told him the truth that my person who I knew for years sent me a check, but he authorized his account XXXX at XXXX XXXX to send a check on his behalf through XXXX of his investments account at XXXX XXXX. XXXX XXXX is also Bank XXXX XXXX. However, the account XXXX XXXX XXXX uses XXXX XXXX XXXX to send me an XXXX instead of paper check for faster service so I do not have to wait to get it in the mail. 

Capital One employee did not believe me and told me that all email checks are scammed and that I created a high risk and Capital One 360 closed all of my accounts. I did not get the message of XXXX XXXX until late at night so I did not tell Capital One that XXXX XXXX did leave me a message that he requested to charge back the check. 

We are in the year XXXX. Capital One employees need to get updated. With the new technology, email-checks work just like paper checks because the mailer do not have to print the check out, waste money to mail it and the recipient ( in this case is me ) do not have to wait for it in the mail because it is a waste of time and deposit it. 

Also, XXXX XXXX realized that the check came from the wrong account so he immediately requested to charge back the check. 

I did not create a high risk with Capital One. It is totally not fair for me that Capital One 360 closed all of my accounts because its employees are not updated with the latest technology of banking.

Company response to consumer: Closed with explanation