Capital One Bank Account Or Service Complaint

Capital One Bank account or service department,

Checking account Making/receiving payments, sending money Maryland

I am writing this complaint on behalf of my mother. Someone secured my - year old mother 's banking Capitol One Bank checking account and routing numbers ( and probably her social security number ) beginning -/-/-. Beginning -/-/- to -/-/- some individual made a series of fraudulant Automatic Clearing House ( ACH ) credit and debit withdrawals and ACH '' bill pay '' through - to for a total of $44.00, -! The individual by the name of " - - '' routinely raided my mother 's checking account beginning with small amounts that escalated to large amounts from -/-/- until the account was drained by -/-/-. My mother recieved an overdraft notice on -/-/- from Capital One, NA, ( located at - - -, -, MD - ) indicating that her account was overdrawn for 10 days. In response to the letter from the bank my mother went to the bank in person.


Each call was met with " we 'll take a messge for - . -. '' However, those calls were not returned. I decided it was paste time to visit the bank with my mother. - - printed out a list of ACH tranasctions We were assured my mother 's money would be restored after an investigation was completed. We then closed the old accounts ( bothe checking and savings ) and opened new ones. We signed up for online banking so that I could view and track her accpounts. On Satuarday, - my mother recieved a letter from a - - - which stated that my mother 's claim was " denied because the documentd from the Merchant showed that the ACH transactions were valid. '' I called the telephone number on the letter to discuss their " decision. '' I learned that the fraudlent ACH transaction were comitted through - - bank whose position was that the transaction were valid. Time after time ACH transaction were made to - by - - By taking this position - - can essentially stops any furher invetsigation by Capitol One Bank. This is a sweetheart agreement for culpable banks which allows them to maintain no fraud to occur. It is as if neither bank contributed to the other 's negligence. A Capitol One Bank employee suggested that my mother authorized the use of her account. My mother never authorized anyone to access her accoun! Do these banks have any internal control in place to provent this type of fraud. Apparently not! Every step of our inquiry with well rehearsed pablum. So the bottom line is my mother money is simply NOT SAFE IN THIS BANK. I truly beleive that they were counting on confusing a - year old woman. I firmly believe that these banks deny - % of all claims valid or not. The bottom line is teh only thing they care about is money. it simply begins and ends with mantra.