Consumer complaint received 2023-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My checking account with Capital One was closed without any notice to me at the end of XX/XX/. When I contacted them in early XX/XX/, I was told by a manager that my account was in violation of their terms. The manager would not explain to me what the violation ( s ) were. I am XXXX and had set up my XXXX check to be deposited directly into the account. The last such deposit was made into my account for XX/XX/XXXX XXXX  Social Security XXXX XXXX. Since they closed my account, I have not had access to any of my money from my XXXX payments that had been deposited directly into the account. They are holding almost {$5000.00} from my XXXX deposits and haven't returned them to me. This has prevented me from being able to buy medically necessary medications and it prevented me from being able to pay rent resulting in ongoing financial devastation. Their employees have been beyond discourteous when speaking to me and very unhelpful. Ive been hung up on multiple times, had to listen to screaming in the background, lied to and sent a fraudulent check that bounced twice and for which I incurred multiple return check fees. Initially I was told that I would obtain my funds was when they mailed me a check 45 days from the date the account was closed. That never happened. As of todays date, I have been lied to multiple times by Capital One telling me that theyd mailed a check to me beginning in XX/XX/. This was not true. After my second complaint to your agency for the same matter, a Capital One representative had delivered to me a cashiers check via XXXX on XX/XX/XXXX. I deposited the check and it bounced twice and I have incurred two {$24.00} returned check fees as a result of their issuing me a bad check. I still have not received the monies that they are holding from multiple XXXX deposits. I have suffered extreme and repeated financial and psychological abuse from Capital One 's actions : refusing to return my funds to me, lying about checks being mailed, and gaslighting me by trying to tell me that they werent responsible for the check bouncing when they knew or should have known that they'd sent me a bad check. This is a FDIC regulated bank. All of these conversations have been recorded by Capital One. I believe that Capital One has violated State and Federal Laws by all of its actions towards me. Their actions have resulted in extreme undeserved harm for me and are a violation of my rights under law. I believe they feel they can get away with what they have done because I am a XXXX XXXX female and I believe they have acted in a discriminatory way towards me because of that. I am asking for assistance from your agency with this matter. IMPORTANT NOTE : I am a XXXX XXXX XXXX XXXX and it is very important that I am safe. I take measures to achieve that to the best of my ability. I ask that your organization not publish my full name and any of my contact information to the public and/or identifying information.

Company response to consumer: Closed with explanation