Alini S.

I'm a new business owner and I decided to open a small business account with Capital One Financial Institution in real estate as a new business owner as of September 2023. As I received my first deposit correspondence. I felt I was finally an official business owner as in April 2024.
I set my profile on the app and awaited grant funds and also personal loans as well as my colleague's contribution. I can now start my first bid to wire transfer.

From here, I get a representative "Kevin" that asks the purpose of this deposit upon his personal perception, who is the deposit from, what's their name and phone number? Where is it going? I explained it for business purposes and I'm also in real estate to conduct bids on purchasing. Mr Kevin proceeds to inform me that he has never seen or heard of such before to purchase using my wire account that was previously set up before I even opened an account with Capital One?
Then he proceeds to ask me unwarranted questions and as I try to gather my information and give him an answer he proceeds to over talk me in a response about what happened with a previous customer that he's dealt with that was fraudulent. Well, from there I was ultimately disgusted to hear about someone else's personal issues, that I'm sure trusted Capital One Banking Institution not to divulge their personal business? Nevertheless, at the personal opinions given, I stopped and listened to his Obnoxious comments as to the questions being asked. I've been in real estate and customer service for over 37 yrs and this conversation was definitely intimidating and insulting as well as it was racist to me because he made it personal ( my opinion only). I actually was quite speechless because I have never been put through this before with questions as to this when it comes to a new business venture. This representative of Capital One Banking Institution made me feel like my first experience was unwarranted because of a past customer he's personally dealt with in wiring finances. I always thought and believed that your financial institution is and always, that you as a customer have chosen to bank with should have a fiduciary relationship.

Since then I've spoken with a supervisor only in reference to the unwarranted phone conversation and wanted to file a complaint. The complaint was filed with a supervisor of Capital One Bank. I proceeded to speak of how I felt as a new business owner for the very first time trying to take the first step. I also explained how Mr ``Kevin" made me feel like I did something wrong. This is all new to me and I can't start off this way being insulted and compared to his previous customers, it made me push back on my decisions as some things I'm not aware of. So in my world, and all others I know, businesses we have testers. This is to make sure information, questions that are given and obtained are accurate, consistent with every single customer that banks with Capital One and any other financial Institution. That NO one is being prejudged on their profile picture or the following: Race, Color, Religion, Sex, National Origin, Age or Disability, Sexual Orientation, or Gender Identity. This is a complete definition of Discrimination. Unwarranted opinions on someone else's personal business account. I didn't ask him to divulge pertinent personal information about another customer, but I'm sure that falls within the guidelines of protection of Privacy. Also, the issue of how much money falls upon their account and what it's for? How's it being used? Whom did it come from? What's their name and number and also, where do they reside?

I'm putting this in as a review because we all want to be careful of who represents our finances and also what personal information is given about a customer's business as an example for new customers.

Stay Safe

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