Product: Checking or savings account

On XX/XX/XXXX I decided to check my Business Checking account because I received a notice from my credit monitoring system that my Bank account was not connected. I proceeded to login and noticed that I did not see my accounts for my Business and Busines Savings listed in my Capital One XXXX XXXX account. I then proceeded to login to my personal accounts and I saw a message that says : Your funds are currently not available for withdrawal. Please call us at XXXX. I called the number that was provided and no one was able to assist me. I was on the phone for 2-3 hours trying to get some clarity and trying to rectify the situation. I called XXXX XXXX in hopes of getting some answers about my Business accounts. I was told that SBA sent them a HOLD HARMLESS LETTER. I contacted the Consumer Protection Department after learning that my business checking account and personal accounts had been frozen. The representative told me that they have terminated my relationship with this financial institution and that I would be contacted by an investigator. I was informed that there was no ETA. I just had to wait. I offered to provide immediate verification that I was approved for the loan. The representative stated again that there was nothing that I could do, and that I could not speak to an investigator. I demanded that someone give me answers because it was unacceptable for Capital One to just freeze my personal funds and not give me an email or US Mail correspondent. The representative told me that they did not have to inform me or give me any kind of notification about my account. I was told that all debts would be due immediately and that all funds in all of my accounts would be seized as bank property. Although the investigation was open or pending Capital One had already made the decision to return the loan amount in question to the SBA. I was awarded an Economic Injury Disaster Loan for my Small Business which was deposited to my Capital One XXXX XXXX account. So when I was awarded the PPP Loan in the amount of {$13000.00} I had it deposited into my Business checking account. I was financially devastated by the XXXX pandemic and the EIDL assistance and PPP provided working capital to keep my business afloat during a difficult time. I have banked with Capital One Business and personal checking since XXXX. Capital One is my primary Bank and I receive all emails directly from them. When I did not receive a phone call or a notice of an inquiry regarding the deposit in question, I knew something was not right. I did not receive a request for documentation, or a notice that my accounts were being frozen or closed. I have not had access to any of my accounts since XX/XX/XXXX. Majority of my utilities and my mortgage payments come directly from my personal account. I have not had access to any money for food or gas for my daughter and I. I also noticed that My utilities for my power bill have returned since that date. I discovered during my research that other small business owners and sole proprietors have been in the same situation with their accounts and assets frozen for investigation into their PPP loan payments. Capital One did not back this loan, these funds came directly from the SBA. The SBA should be the one to investigate for fraud on these PPP loans if there were any concerns. Capital One has overstepped boundaries and accused me of fraud and frozen my accounts without cause. This complaint could have been resolved if Capital One had asked for the documentation to verify that I have a legitimate business.