• Report: #1087407
Complaint Review:

Capital One 360

  • Submitted: Wed, September 25, 2013
  • Updated: Mon, June 16, 2014

  • Reported By: Enigmalady — Canyon Country California
Capital One 360
P.O. Box 60 St. Cloud, Minnesota USA

Capital One 360 Ms. Fraud committed by Capital One 360 St. Cloud Minnesota

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My elderly father recently passed away (September 6, 2013). Prior to his death, he gave me several checks from his checking accounts to deposit into my own accounts so that I could take care of his bills, final expenses, and so on. Since I was at his side day and night for several weeks leading to his death, I did not deposit the checks right away.  I deposited a total of 5 checks from my father after his death to my Capital One 360 accounts - two deposits going into my checking and three going into my savings.  Four of the five checks were drawn on Citibank, one on Wells Fargo. The Citibank checks cleared as expected, but the Wells Fargo check was returned. My bank, Capital One 360 immediately froze both of my accounts, and asked me to contact them.  I contacted them and was told by Capital One's Loss Prevention department that the Wells Fargo check was returned because Wells Fargo reported the checkbook as "stolen".  I explained that the check was from my father and he subsequently passed away. The person I spoke with at Capital One 360 Loss Prevention was named "T" and would not give me her last name. "T" told me she needed to “Investigate" and would call me back in 24 to 48 hours to let me know the status of the freeze on my accounts.

While I waited for "T" to call me back, I contacted Wells Fargo by going into my father's branch with copies of his will, the working copy of his death certificate and his advance directive and all his check books and other documentation he left me.  I asked what we needed to do to close out the account and also told them that my father wrote a check from that account to me and my bank claims it was returned due to "checkbook stolen".  The branch manager confirmed that there was a hold on the account that Wells Fargo placed due to inactivity and the inability to contact my father to verify his ownership of the account and that is why the check was likely returned.

I contacted my Capital One 360 again the following day, and Capital One's representative "T" stated that she "confirmed with someone that Mr. **** is deceased, and he has NO daughter".  I asked her who gave her that information, and she stated she could not tell me who.  She said my accounts would be closed, and all the monies from the checks my father previously gave me would be returned to the originating banks as they were "fraudulent".  I hung up in disbelief and very angry. 

I called Capital One 360 back again when I had calmed down and asked for the name of the supervisor of the Loss Prevention department as well as a mailing address and a fax number  then proceeded to fax Ms. "T" a copy of my father's death certificate, my birth certificate showing he DID have a daughter, and a copy of his last will and testament reflecting that all his belongings, home, car and accounts were left to me. I have not received a response from Ms. "T" to confirm she received or reviewed the faxed documentation.

I believe that Ms. "T" never spoke to ANYONE to confirm ANYTHING at either Wells Fargo, my father’s home phone number (she did call his number and leave a message on his answering machine --- I picked up the message!!!) or the country recorder to confirm he was deceased and arbitrarily made a decision to freeze my accounts --- of which I have held for over 7 years without so much as an overdraft - based on her own misguided "hunch".  Had she actually reached out to the county recorder of Los Angeles where my father’s death certificate was filed and mailed out to ME as confirmed by the Mortuary who filed the certificate, she would have found that the certificate was mailed to HIS DAUGHTER, ME, on September 23, 2013 by Los Angeles Country itself.


Ms. “T” made a decision to freeze accounts without proof of wrongdoing.  She made a family’s grief into a much bigger nightmare for absolutely NO REASON and WITHOUT CAUSE.  No one who is grieving the loss of a loved one should be treated in this manner - as though they are a criminal and to tell a daughter a blatant OUTRIGHT LIE that her father had “no daughter” is immoral and criminal in and of itself.  The decision that some kind of “fraud” was committed by an accountholder depositing checks made payable to her prior to the payor’s death was made unilaterally by Ms. "T" and Ms. "T" alone without a shred of solid evidence to back it up. Ms. “T” of Capital One 360’s so called “Loss Prevention” department is the REAL FRAUD.  This is NOT the way to treat a long time customers of 7 years. 

This report was posted on Ripoff Report on 09/25/2013 09:22 PM and is a permanent record located here: http://www.ripoffreport.com/reports/capital-one-360/st-cloud-minnesota-56302/capital-one-360-ms-fraud-committed-by-capital-one-360-st-cloud-minnesota-1087407. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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