Consumer complaint received 2021-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I've been with Capital One 7 yrs, on or about XX/XX/XXXX, I couldn't use my debit card. I called & they were concerned about someone using my account. I wasn't allowed to withdrawal funds & was told to open another account & have my pension & social security deposits sent there. I did so, everything was fine until Friday XX/XX/28 my debit card wasn't working. Now the new account said I can't withdraw funds. Nothing new has happened I had just received a small loan & have gone with little food, no cigarettes, etc. When I spoke with them the young man told me " you don't remember we've been talking about this for days, but we hadn't. In XXXX my rent had been disputed, I didn't dispute it, told them to pay it. By the time they did, it took me passed my {$200.00} line of credit. I wanted to know how this happened, all they sent me was a copy of two calls I made to them, asking them to pay it, that I didn't file a claimed So the next month it happened again, I don't know who's calling & filing disputes on my rent, but this time they had to know it wasn't me. So this morning my pension came in, but I can't get my money, they want me to call them from the ATM, & they will let me take out what they say as what was covered by a {$200.00} line of credit, & some valid disputes, they want to keep over {$200.00}, & my account is closed. When I first did what they said, I noticed that no line of credit was available. I've been with them for 7 yrs, tell everyone how good they are, and they do this, no notice, no valid reason. I believe that they were talking to someone claiming to be me, maybe someone tried to dispute nmy recent rent payment. They involved me in a data breach, my 2 of my XXXX are on the dark web, According to their XXXX. But they want to close my account & take my money. I am filing I'd theft reports & I've received my 2 letters from Georgia unemployment & Kentucky, unemployment, with my social security number. I just filed a complaint with the FTC.usa.gov. It's hard my XXXX XXXX, I can't buy aspirin, as Capital One wants to get what they want of my money first! They haven't even finished my dispute with XXXX but ii m going to get a rep to explain they were billing me for 2 lines & late fees for before I had an account with them, this I know us also fraud. Because of the short notice of their closing the account & refusal to allow me to take even {$20.00} of my limited funds. I notified them if all suspicious uses of my debit card number r immediately, but they act as if I'm some kind of old nutcase, or crook. I know there's more to me explain but I don't have time. They were very rude & tricky I knew nothing, did what he they asked, I was told Friday XX/XX/28 that they were closing my account & couldn't have my money until Tues the first as they want to get what they think is there's first. I have to wait & call them to do this. I am XXXX & on social security retirement & a small pension. I don't want my account close, I need my line of credit & my money, this is my only income. Shame on them thanks for your help.

Company response to consumer: Closed with explanation