My name is Roy Martin and I am writing this letter of request to inquiry about a fraudulent situation that took place at Capital One with my checking account being linked to another customer’s account that I did business with back in December.
On December 20th, 2015, I was given a personal check from Leslye Manuel in the amount of $570.00 dollars. This was for some landscaping work that I did for her. On December 21st of 2015 I went to Capital One to cash this check and was approved to open my own personal checking and savings account. I opened these two accounts with cash money that I received after cashing Ms. Manuel’s check. The checking account number provided to me for my new account was 3316436667. I opened this account with 50.00 dollars. The savings account number was 3333034351. They moved 10.00 dollars from the checking account to open my savings.
On or about Feburary 24th of 2016 and April 4th of 2016, I paid my Capital One credit card using the phone system and spoke with a representative. On both dates I requested to pay my credit card in the amount of $55.00 dollars each time without any dispute about where the money was coming from. I was under the impression they were taking this money from my checking account to pay my credit card bill.
On or about April 7th of 2016, I received a call from Ms. Leslye Manuel stating that I was paying my credit card bill from her checking account. She was extremely anger and felt that I was doing something fraudulent with her checking account. I explained to Ms. Manuel that I had no idea what she was talking about concerning her checking account. She expressed to me that she would insure I go to jail for tampering with her checking account. I again tried to explain myself but she was in no way trying to her what I had to say.
After the phone call with Ms. Manuel, I immediately contacted Capital One the same day to find out what was going on with my account and hers. I spoke to a representative explaining to them what Ms Manuel was accusing me of doing. I explained that somehow her checking account is linked to my checking account and when I pay my credit card bill it is coming from her account and not mine. I was inquiring with the representative as to how this could have happened. I had no information about Ms. Manuel other than cashing her check and opening up my own personal checking and savings account. I did not maintain or keep any of her personal information from that check. I was told by the representative that this is not possible especially since I did not have any valid information to provide the bank to make any type of change of this nature without Ms. Manuel’s permission. After having a lengthy conversation with the representative at Capital One, they explained that they would close my credit card and reissue me another one and they would remove her account information from my account immediately. They did make good on issuing me a new credit card. Once I was off the phone with the representative, I reviewed my account and it was showing that the two payments of 55.00 dollars had been deducted from my account and this was putting be almost in the negative. It was never explained to me this was going to happen but I was fine with it because I felt this was going to put the matter to rest since she had been refunded her money back into her account.
On or around May of 2016, I attempted to pay my credit card account again over the phone and the representative asked me which account I would like to pay this from. I asked the representative at that time; please provide me the account number you have on file for me. The representative then gave me the last four digits of the account number 5038. I explained to them this information is not mine and this should have been removed from my account back on April 7th of 2016. I was extremely anger and felt like something fishy was going on at the bank because this information had not been removed from my account as I was told back in April. The representative asked that I calm down and they would take care of the matter immediately.
After the transaction in May of 2016, I was contacted by Detective Gregg from the Carrollton Police department with a complaint that was filed by Ms. Leslye Manuel concerning this matter. The detective asked when I would be available to come in and explain my side of the story. I was able to go to the police station on June 8th of 2016 to speak with Detective Gregg. She took my statement and I did not hear anything more about this matter until around June 12th of 2017.
I applied for my handgun license in May of 2017. I contacted the Texas Handgun commission to check the status of my application on or around June 12th of 2017. I was informed at that time that I had a federal fraud identity count number two pending against me. I was so taken back by this information. According to the commission staff person I was already indicted and there was a warrant out for my arrest. They explained that I could reach out to the Denton County courts to obtain more information. After reaching out to Denton, they explained I do have a warrant for my arrest and my bond is 15,000 dollars. I was told I could face 4 years in the state jail for this matter. I have had to obtain legal aid, this has placed my job in jeopardy, much loss of money and maybe jail time for 110.00 dollars.
I am writing this request to ask for an expedited review of my account and Ms. Manuel’s account to see how her account became linked under my account back in December of 2015. I would like to have a written explanation so that I can rectify this matter and get this judgment removed from my record. I do have the last four digits of Ms. Manuel’s account number of 5038. I am currently seeking a lawyer and will need this written statement ASAP.
As a customer of Capital One, this truly has made me fearful to provide a written check or accept a personal check from anyone since this has happened to me. I only have a short amount of time to get this information since I currently have a warrant for my arrest.
If you have any questions, please contact me at 469-474-8436. You can email me the written explanation to robot20flat@yahoo.com
Concerned Customer,
Roy Martin