Claimant says: "[THIS IS LETTER I SENT TO CONSUMER FINANCE BUREAU] which gave me another denial from Capital One.
March 7, 2017
RE: Deborah A. Todd
TO WHOM IT MAY CONCERN:
I was admitted to Johns Hopkins Bayview Hospital on January 9, 2017 and was approximately 5-7 days from my release when I phoned my bank, Capital One, to find out the balance on my checking account. It was to my surprise that my account was short or almost depleted when it told me I had approximately $3,300.00 left in it. The last time ”
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Claimant says: "[THIS IS LETTER I SENT TO CONSUMER FINANCE BUREAU] which gave me another denial from Capital One.
March 7, 2017
RE: Deborah A. Todd
TO WHOM IT MAY CONCERN:
I was admitted to Johns Hopkins Bayview Hospital on January 9, 2017 and was approximately 5-7 days from my release when I phoned my bank, Capital One, to find out the balance on my checking account. It was to my surprise that my account was short or almost depleted when it told me I had approximately $3,300.00 left in it. The last time I had checked, approximately the beginning of January, and had not made any other transactions, it had been in the $18,000.00s. I did not know when the paramedics took me away on the 9th of January that I had pneumonia. I had been very sick and had not known.
I immediately talked with a representative, only to find out that my checking bank “card” had been used on a daily basis since January 4th or 5th, 2017 till the present (1/25/17) at that time. I have attached a copy of the December and January bank statements with highlighted transactions that were not made by me, as I was hospitalized at this time… the whole time! After two (2) days an officer finally arrived at the hospital and got on the phone with my bank, Capital One. He wrote down every transaction that had been made from my card for that period of usage, a copy of report attached (1.)
What I don’t understand is why the bank did not call once to notify me, leave a message, call the person I had on my account for emergency, etc. They could have nipped this in the bud. I’ve never abused my card this way… $900 – over $1,000 a day. Absolutely Not! I had never taken large amounts out like these except for my rent time and that would be around $600.
Finally, there was an investigator from Capital One assigned to my claims. His name is Keith Pyle and can be reached at 302.255.3712 or thru Claims at 866.536.9023. He has been giving me every reason possible to not give me reimbursement for my money. NO one else has my pin# aside from myself and I have never written it down. This money was my life savings and I’ve had it in the bank since I received it several years ago and have NOT touched it.
1. There are also two (2) police reports. One taken while I was in the hospital, where the officer got on the phone with the bank and took down every transaction that was made within the time frame my card was used. This took a very long time as you can see from the copies I have made of my bank statements. He took down names of the parties that also live where I reside, but I need to let you know that my door had a padlock or master key lock on my bedroom. The two parties that live there are known drug associates of the neighborhood and I believe that they or he, Michael Traverse are the main culprits in my demise. The second (2nd) police report, a copy included, was for the time I went back to retrieve my personal items, about a week after I was discharged, I found my bedroom door busted open, the lock was gone, my room ransacked. After going thru my room, I realized clothes, from coats to socks, expensive and non-expensive jewelry, coats, a tv, cd player, cds, food, and to top it all off… my snake was gone. My credit cards, including my bank card was gone. They were in my top dresser drawer. I’m thinking that my bank card had been taken on and off before I went into the hospital with them knowing how sick I was, and now it was permanently gone.
I have a problem with the 2nd police report. Keith Pyle from the bank said that the officer wrote that I didn’t want fingerprints taken. Well, that is not true. The officer told us that it would make no sense to have them taken because there had been so many people in and out. The guys that live there, Michael Travers and Jim Liber had told the officer that other guys from the neighborhood had been coming over and were in and out of my room but they knew nothing of anything stolen, but in the same breath, Jim Liber said he had been in there to feed my snake and to show the owner of the house my snake. I don’t know why the officer didn’t lock him up right there and then. The detective assigned to this case, detective Banker never once talked to either one of these guys. He always said they weren’t home. Michael has a history and an extremely long criminal report of thefts, drugs, etc.
I’m sorry that this info is so long, but it’s been a mess from the very beginning and it seems that aside from the bank giving me a hard way to go, the detectives drug their heels and told me that WalMart only keeps videotapes for a week. There were other places also and he didn’t mention those. This has now been turned over to another detective, a detective West. Her number is 410.396.2400, Check & Fraud Division. I’ve been trying to contact her for over a week now, and she has yet to return my call. It was the same with the last detective Banker.
Well, my case has not been closed by the bank, but my money has. So, I’ve been told thru many phone calls that I need to write this letter to you. I don’t know where else to turn. I feel like I’ve been down many alleys and have come up with nothing, meaning $0.00 return in my bank account. Can you help me please?
Please feel free to contact me at 410.908.9625 with any questions or comments. I know there is more information about this, but at the moment, I am drawing a blank.
Thanking you now for your time and consideration in this matter. Have a great day!
Sincerely,
Deborah A. Todd
/enclosures*” ...Show less »