Consumer complaint received 2023-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking and savings account with capital one in XXXX  I funded the account on XX/XX/XXXX with a cashiers check for the amount of {$6900.00}. I was given a receipt of my available balance dates and an email to confirm the receipt. I still have no money in my account to this day XXXX XXXX XXXX  I have been blocked from calling customer service as well. I am only allowed to leave a voicemail. I have left 2-3 and have yet to receive a call back. The funds have been verified and released and I still have nothing. This is a personal attack on my personal and a criminal offense. My consumer rights have been violated tremendously. I was told via a female supervisor on a recorded line XXXX XXXX XXXX XXXX XXXX XXXX inside the XXXX XXXX XXXX  in XXXX XXXX  ; That my account was CLOSED and I would be issued a check of my funds to the address on file. I was then transferred to speak with an XXXXXXXX XXXX on the same recorded line who was supposed to be her superior. He lied to my continuously. I had to demand he call the other bank on a 3 way connected call due to his consistent lying. I was able to catch him in several lies at that time. As the beneficiary of this account I have demanded my funds several times. This being my first time in writing and I am asking for help at the same time. I called the FDIC & Capital one Headquaters but have received no help thus far. Due to my frustration and the suspicious environment I wasn't able to gather any representatives name I spoke with but I was able to record the time frame and date of the said recorded call. I have been asked bias questions about my cashiers check that have nothing to do with the verification of the funds. The check I deposited had a number on it to call to get the check verified but capital one refused to call the number several times. They stated it wasn't policy. asked for that in writing and they refused that as well. How can you not give me your policy in writing? Or direct me to where I can find this factual information. I want my all of my checking and savings account closed on both the private and public side and I want to be provide proof of such request. 

Since then I have been keeping a constant log of whom I been speaking with and I also have physical recordings of our conversations and the lies being told. I was told they spoke with the lady doing the actual investigation and she refused to lift to restriction from my account even though I am the SURETY/SUBROGEE/BENEFICIARY to this account. My debit card doesnt work but I can make deposits into my account with no problem. 
I contacted the CONTROLLER OF CURRENCY as well! 

Capital One bank is claiming to be doing an investigation to insecure the funds will not be reversed but they have provided no proof and I have proof from the issuer of the cashiers check deposited that the funds are good and they have been deposited. Yet I have no access due to bias reasons.

Company response to consumer: Closed with explanation