Product: Checking or savings account

On XX/XX/XXXX i recieved a stinulas check deposited into a XXXX XXXX XXXX account. That day i XXXX transfered XXXX to capital one. XXXX XXXX XXXX told me it would take three days to reach the desired account capital one not seeing the transfer completed and money being already withdrawn from my XXXX XXXX XXXX account after 4 days later that money wasnt deposited into my capital one account. Thinking i had to request the money because it wasnt recieved yet. Keep in mind 4 days earlier the money was withdraew and was told by XXXX XXXX XXXX it had been sent and deposited i called XXXX XXXX XXXX and confermed this. the transfer still hadnt been recieved. from my capital one account i sent a XXXX request for the XXXX. Wich should of been deposited i paid XXXX XXXX XXXX XXXX for this service that hadnt been completed That afternoon the XXXX was deposited into my capital one account thinking it was because of my request i was satisfied. The the very next day. XXXX XXXX XXXX deposited another XXXX that money sat in my checking acount for three days after being deposited thinking it was not getting reversed i used the money with expectations of depositing XXXX into my XXXX XXXX XXXX account i didnt believe after this much time had gone by that XXXX XXXX XXXX was reversing the additional deposit. I didnt send it back through XXXX because of the problem i had waiting for the first XXXX. I have emails for 5 straight day stating my balance was XXXX not negetive from XXXX XXXX XXXX. On the 5th day XX/XX/2021 i saw my capital one account go over drawn. It was because the XXXX deposit was reversed snd sent back to XXXX XXXX XXXX. I imediatly transfered money from my savings accout to the over drawn account to minimize the fees. .knowing the deposit was sent back to XXXX XXXX XXXX i started an imediatly wire transfer from other capital one accounts to the overdrawn account to make the capital account right balance. On the XXXX my capital one accont that was overdrawn went back to an positive balance of XXXX the XXXX was deposited back into the capital one account. Prior to capital one re-depositing the XXXX i immediately started a wire transfer to my second capital one account because this account was the only account linked with my XXXX investment account. when the wire transfer reached my alternate capital one account, i didnt know what or where to send XXXX wire from fedelity account the primary account was going from positive to negetive back to posative to negative again. all in three days. Also knowing the wire transfer would be there in time thinking with capital one 's grace piriod policy i would of had the wire deposited into my alternite capital one checking account that the XXXX was written from.i the fidelity wire would of been there in time. There for having positive balance in both accounts. At the time the XXXX check was written from my alternate capital one account both accounts had positive balances. Both accounts would be covered dnd balaced prior to the check being drawn on. The deposit arrived at the same time the check was rejected i wrote XXXX and time on the check for reference that a wire transfer of XXXX was on its way to cover check the wire was late I also wire deposited an extra XXXX to give me breathing room. In the past Capital one has covered purchase made with debit cards purchases not bad checks up to XXXX and these overdrafts were longer than a year ago. I always covered overdrafts based on debit purchases not bad checks i have in the past two years three checks bounce but paid all and fees in full its not nor can be proven a habit!! I have alwiysc mmediately transfered from saving to checking or from checking to checking immediately when account goes negitive never a waring about violations of being in default leading to a possible closure. Not one notice! Of warning or action i have been a faithful customer for over 4 years. As to the recent overdrafts. They were happening because capital one and companies were charging me and my accounts twice i have past statements with reversals showing this several times. I'm still waiting on at least 2. Capital one has had to reverses over charges or payments I've had to call and request over payments reversed. This has increased in the past 2 months. Capital one paying vendors twice, atleast 6 time in 3 months. I didnt trusting the balances Capital one was showing. i would get charged twice then weeks later the amounts would be reversed with capital one telling me its the vendor and the vendor telling me they only recieved one payment. Capital one withdrawing the money twice giving the money back after calling. i never wrote any bad checks. Bad check mean not paid or not payable! Again my only guilt i have if anything its taking advantage of what i was told was a benefit. Using the next day grace. Capital one never sent any warnings of closure because of default. They just closed all accounts with out notice. Now i have deposits going into an account i don't have access to. i have to wait for Capital one to release and return deposits on an account they closed with out warrents. They have also taken money out of accounts where access wasn't granted. As well as for those who weren't permitted access for purpose of withdrawal. They have called me a thief a lier. They damaged my reputation as well as future credit. I will supply all documentation showing time line, written checks, deposits, double withdrawls, and fees charged. Double withdrawls back and forth deposit and withdrawls. This is a bad company that treats good people like criminals. They don't care of exposure but i do. This needs to be told with proof of course thank you for your help.