Consumer complaint received 2017-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I put XXXX on a XXXX XXXX card because Im repairing my credit after a devorce and bankrupsey. For an entire year I never used the card but I kept reading by not using it I was not getting the full bennifit of having the card. So I started using it and at some point XXXX XXXX just changed things by giving me my money back but then using their money. Ok great every month I transferred money paying off the debt and using the money which was showing I could repay the loan. Well all was fine until I lost my card. I replaced the card but still paid my bills by giving my other bank card to XXXX until my new came. I buy money and Im on a payment plan with these companies. Ok I told them my new card with XXXX XXXX but they did not explaine that their computers would have to update. So I put money on the XXXX XXXX card to cover charges but one creditor used my debt card with XXXX  so XXXX took all the money back charged me {$30.00} and the other creditors had interest charges when the funds werent Their with XXXX XXXX. So Im getting nasty messages not going threw. So I hear from XXXX telling me everything would had been ok except this one merchant charged your card and that threw everything off. I said I asked was the amount correct every time before I move money and XXXX said it showed nothing on hold. Ok I said how can you tell me that and yet a unexpected charge comes threw. Then they say some merchants may take funds latter date and it want show! How if you cant see funds on hold how am Im to know whats on hold? The problem is their is no way according to XXXX. Ok I then sent the new available amount from XXXX to XXXX XXXX which went threw. Then once that was ok I sent {$18.00} over to XXXX XXXX just to clear out an account. Ok I check the next day and the computer tells me its still in my XXXX account instead of being in XXXX XXXX so I call XXXX and ask why did it not transfer? She tells me maybe their was a glitch try it again. So I do well that {$18.00} dollars transferred but so did another {$18.00} which was not in the account so XXXX takes back the {$18.00} and charges me another {$30.00} for not enough funds! Im XXXX XXXX Im a XXXX Veteran I dont have money to throw away! XXXX blamed XXXX XXXX for bein the one not taking the funds nice their release! I call XXXX XXXX asking why they arent posting my funds once released from XXXX? They ofcorse blame XXXX ok I transfer {$100.00} it went threw fast! Then I send {$140.00} and I did that in Fri it did not post until after XXXX with XXXX XXXX almost three days. XXXX XXXX said the computer was on Holiday which is why it took that long! Since when do computers go on vacation? But during the conversation she says the account is closed! Im like how can you close a card I opened wit my money so I can use it as I invest in the card? She said I violated the card rules! Then a manager said wad the contract you signed! I did not sign a contract I applied for a unsecured card I put money on much like a debt card! Well I guess thats not what XXXX XXXX calls it but my payment on the card a month s only {$37.00} Im putting way more than that on the card plus their is a balance of {$240.00} on the card! So why close a card m paying on. Im trying to get every creditor to use that card so not to have charge made to my XXXX card any longer. But XXXX XXXX says I can open another account but the one I have now is closed. I think if your paying the card every month they should not close my card. As far as merchants deciding one day oh I owe them and take funds Im unprepared for and the XXXX banks not removing charged money from my available money sucks but I can only go by what the computer says or what those working at the bank tell me is available?? I think I have One nothing wrong I did my part to pay every month on that card I feel I should had received notice of if these issues kee up my account could be closed but I Never was warned and again their is funds on the card its not deliquient so I feel Ive been wronged y XXXX XXXX XXXX.

Company response to consumer: Closed with explanation