Capital One Bank Bank issued a cashiers check without my authorization New York NATIONWIDE

I recvd a letter today stating that an overdraft had been incurred on October 20th and that a fee had been charged.

 The letter indicated that $78,848.54 had been paid on check number 2915 (not one of our checks)  with Trace id of 36282950.  However the account had much less than that amount and had NO overdraft capability.  When I called the bank (800 support) I was told that I had cashed a check but when asked to give me information they said they could not pull up the check.

I escalated the call and finally an agent told me that a certified check had been issued but they could not give me more details., I supplied my contact information and asked that this be investigated immediately.  30 mins or so later, I  recvd a call from the branch manager Pascal, who began by making small talk. When I asked what he was calling about, he replied"its good to keep in touch" and only when I asked him if was calling about my account problem that he said "an error had occurred". I

then went to the branch and was made to wait because he wished to help a customer open a CD (!!!) , when finally in his office he said that a clerical error had occurred in which my account had been breached.  He then said that the error was that both the banker and the teller had issued the check from my account to a Mxxx Rxxxxxx  and that they would correct it.  I asked him whether their bank policy and procedure required verification of the customer, and the account before a certified check was issued.  He did not reply.  I asked him if the computer system would allow an account with no overdraft capability to permit a withdrawal that was $70,000 more than avaialble.  He did not answer,   He refused to accept that this was a major procedural breakdown and would not issue me a letter with the events and resolution,.

I have called the Consumer advocate at Capital one and will be calling the Fed