Consumer complaint received 2017-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX deposit of {$8800.00} in my checking account XX/XX/XXXX made 3 payments to 3 different credit cards to pay off the balances XXXX - {$1400.00} XXXX - {$2100.00} XXXX - {$22000.00} XX/XX/XXXX received email advising XXXX bank returned payment {$2100.00} on XX/XX/XXXX XX/XX/XXXX received email advising XXXX bank returned payment of {$22000.00} on XX/XX/XXXX i contacted the bank and was advised XX/XX/XXXX they did not return any payments to capital one credit cards i contacted customer service at capital one and advised my accounts were closed due to fraud because i tried to pay off my accounts and the bank returned the payments and capital one received an email from my bank i called the bank and they advised " no, they do n't send emails and they never received anything from capital one and yes, the money is still in your account '' XX/XX/XXXX i made the 3 payments again from my checking account XX/XX/XXXX received email from capital one " thanks for my payment of {$2100.00} XX/XX/XXXX received email from capital one " thanks for my payment of {$2700.00} nothing was sent regarding the payment of {$1400.00} for acctn XXXX XX/XX/XXXX contacted capital one and was advised all the accounts were closed due to fraud XX/XX/XXXX - went to capital one bank -was advised they could n't help me with my problem but to contact capital one fraud department while i was there sitting with them and they would help in any way they could XX/XX/XXXX contacted capital one fraud department and explained everything - was told after 40 minutes on the phone their supervisor would review and contact me XX/XX/XXXX with an answer why they closed my accounts and why they are telling me i committed fraud XX/XX/XXXX received call from XXXX XXXX - no last name who advised she is the head honcho in XXXX va office and she contacted my bank and we had a 3 way conversation with my bank which was taped and the bank advised her the same thing the money to pay off these cards was in the bank since the XX/XX/XXXX deposit and they never returned anything to capital one, nor did they send an email to capital one advising the payments were returned XXXX NO LAST NAME WHO INSISTED SHE IS THE HEAD HONCHO ADVISED THE " BACK OFFICE '' HAS TO REVIEW - SHE HAS NO SUPERVISOR - SHES THE HEAD HONCHO - AND SHE WILL HAVE TO FILE ANOTHER APPEAL WHICH WILL TAKE ANOTHER 7 DAYS I ASKED HER TO RETURN MY {$6300.00} AND I WILL MAKE PAYMENTS ON THEM SINCE THEY NOW HAVE {$6300.00} AND I HAVE NO CREDIT CARDS TO USE AND SHE ADVISED THE PAYMENTS WERE STILL IN PROCESSING I CONTACTED MY BANK AND WAS ADVISED CAPITAL ONE RECEIVED MY MONEY XX/XX/XXXX AND OBVIOUSLY THEY COULDNT STOP PAYMENT AT THIS LATE DATE6 PLEASE ALSO NOTE - NON OF THESE PAYMENTS WERE EVEN DUE UNTIL XX/XX/XXXX!!! I AM ATTACHING ALL OF THE PAPERWORK I RECEIVED FROM CAPITAL ONE AND A COPY OF MY BANK STATEMENT SHOWING THAT THEY ARE AT FAULT AND I DID NOT COMMIT FRAUD ALSO RECEIVED LETTERS FROM CAPITAL ONE DATED XX/XX/XXXX WHICH I RECEIVED ON XX/XX/XXXX ADVISING THEY CLOSED MY ACCOUNTS

Company response to consumer: Closed with explanation