Consumer complaint received 2020-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
my name is XXXX XXXX, DOB XX/XX/XXXX, SS # : XXXX. My telephone number is XXXX I would appreciate someone calling me to discuss this matter further than what I have written here as there's so much more information I can provide. 
On XX/XX/XXXX I received a email message from Capital One Bank at XXXX XXXX. The email letter stated that they would be closing my account abruptly because of a breach of contract. On the same day I had found out that I was XXXX XXXX XXXX and had been XXXX  for days. even though I was XXXX  XXXX  I contacted the bank to find out what was going on and why my accounts were locked down. I was told by the representative at that point that they could not give me any information all they knew was that the account was hacked by the black web and that when I signed the agreement to have a checking account which was 15 years ago in the agreement was notification that they could close my bank accounts at any time. You can imagine I was very upset not only because they left me with absolutely no money or a debit card or a credit card or anything, I was XXXX, and told that they could not help me that my bank account was closed. It is XX/XX/XXXX and I still am fighting with the bank for my own money that I worked hard for and have not XXXX XXXX to even get my prescriptions or food for my XXXX-year-old and the bank says we can't help you. Today I found out that my son 's government check was being withheld and the bank is not allowed to do that past two days. It is now the eighth day I have no money, no ATM card, no savings account no checking account as the bank is withholding over {$3000.00} of my hard-earned money and I can't get anywhere with this Bank. They will not respond to phone calls they have given me phone numbers that are no longer in service and they refuse to return my money or give me an explanation of why they closed my account abruptly. I opened this account of very long time ago and I do not remember the agreements I signed that they say I signed and I believe that I wouldn't assign something that said that they could abruptly close my accounts with no notification. This has going on entirely too long ; I have covid I am very XXXX I have no money to get my prescriptions and if I die that bank will be owned by my XXXX-year-old son who now will have no XXXX this is a disgrace this bank has put me through living XXXX since XX/XX/XXXX and they do not care all they care about is if there is a {$99.00} charge on my account if I made the charge or if a hacker, which I know happened, made the charge. they told me that I would have my cashier 's check no later than XX/XX/XXXX and it's XX/XX/XXXX and I've not received anything from this Bank. Capital One has caused more XXXX  on my already XXXX XXXX than any person has ever in my life. I am being targeted by a bank over something that I have no idea what took place and I can not get a hold of my own money to take care of personal business that must be done in order to keep me alive. What recourse do I have as a client to Capital One Bank in order to get my money out of their bank accounts that they have put a block on that no one can touch including me the owner. I currently have {$1600.00} in my checking account that can not be touched of that money {$810.00} is my son 's social security check that he gets each month that the bank is withholding and it is it is against the law. Under Pennsylvania social security law a bank is not allowed to hold funds in their account past two days it is now 8 days going on 9 days. I contacted the social security office they were infuriated to hear of this news and told me to contact the bank and tell them to return the money to them so that they can give me the money you know what I was told nothing they told me to hold on and someone would be with me after 47 minutes on hold I was disconnected this is a disgrace. Please advise me of my rights and regulations under state law regarding fraud by the bank, CAPITAL ONE N.A. XXXX.

Company response to consumer: Closed with explanation