Product: Checking or savings account

Capital One closed my checking account for no reason on XX/XX/year>2024, for " risk and security purposes ''. I had XXXX  myself back and forth as Capital One ACH transfers for some reason dropped all the time and didn't go through, as recommended by a representative. 

A few times, usually XXXX transfers are instant, but there were a few which weren't. Capital One gives you the ability to CANCEL a XXXX transaction within a minute of sending, which I did as soon as I saw the transaction would not be an instant transfer, as what would be the point of using XXXX. 

The day after, I received an email saying my accounts were restricted. I wasn't surprised, but was expecting a quick fix. called, got asked for ID multiple times. Sent the picture. Multiple times. Got hung up on. Cursed out. Got another rep who said go to a branch. I have XXXX XXXX and am injured for work, and now I can't pay for any medication because my account is restricted so I CAN NOT go to a branch. This was ALL NOTED IN MY ACCOUNT THAT THIS WOULD BE EXCLUSIVELY ONLINE OF AN ACCOUNT. 

Then I am told my account will be closed, we will not deal with you. Speak to another supervisor, I explain I transfer money back and forth using XXXX as an alternative to ACH, sometimes to fund my business account and others to fund my personal account at another bank. She says cool, send us proof of your business. Everything you do. Contact information, employee info, business licenses, and more. I ask why is that needed, for all you know I am transferring to a personal account, it is not your business what I do for a living. I ask if I can send a statement instead of my business account at XXXX XXXX XXXX, she says " XXXX no '' and hangs up. This goes on until about XXXX. 


I then send all the proof I can to support my claims that the account that is transferred to is mine, XXXX  transfers are to me on another account. I explain the login activity is literally just me being excited about my credit card application and when it's coming, reloading the Capital One app, and my cell provider XXXX changes IPs every time I go out on cell data. 

Then they say they already know this and need to provide proof that a XXXX deposit is intended for me. It's not my business, how do I prove it. Only was a XXXX of it for a brief period of time. I got the business owner on the phone who I do not even speak to constantly, and don't speak at all anymore. They verified whatever, and said they would release the funds to my external XXXX  XXXX XXXX account. 

Now they said they have no record of this, there will be no updates. It has been over 90 days now that my account has been frozen with my money. I don't even want to bank with this bank, it's embarrassing. I would like my funds back. You guys always say the XXXX will call me back, and they never do. 

The full $ XXXX isn't even the amount of the XXXX deposits. There's an extra $ XXXX in there that is illegally in your possession that wasn't a XXXX deposit. 

I would like an expedited check of my funds. I have proved everything. Screenshots of the XXXX XXXX, a phone call with the business owner, and proof of every other transfer of this amount. Stop cursing me out, hanging up on me, and being disrespectful and calling me stupid. RELEASE MY FUNDS!!!!!!