Consumer complaint received 2021-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is I believe the 4th submittal and when you read you will see why that is. 

Bottom Line : I filed a dispute with Capital One because I made a deposit at an ATM ( a capital one ATM ) inside of Target and my deposit was for {$1000.00} and I only got {$700.00} deposited. I Have explained this to them in more emails then a person could ever write and will be attaching them along with what I wrote in writing because a person should not ever have to type as much as I have since this mess. They have read them and they have not handled one thing they said they would do, said they did do and wont discuss with me when 3 times this denial decision which wasnt told to me as to how they came up with the result but said they did tell me and said they sent me two emails when I said I didnt get them. As of XX/XX/XXXX which was the last day I called and called twice that day due to the fact that they were reversing the {$300.00} I called to state that I need to see all the items I have listed and all things I am entitled to before I say " ok great take my money back '' if a normal place showed a customer when its out of my hands and I now have zero trust then fine it is what it is, but they have hidden it and wont provide to me meanwhile I have contacted the card machine and told things that were so pathetic about capital one and this specific machine plus the XXXX  manager told me he gets complaints at least weekly if not more and gave his name for them to call him and ask. THe store shouldnt have to deal with that but they do because people think they have to speak with XXXX but thats not the case. I have an exact scenario what happens the second someone didnt get their money, didnt get their card back, didnt get the money deposited that people are told to follow and at the end of the day capital one is wrong, these people including me only need to make one call and thats to capital one, they make them waste time and go crazy calling places such as cardtronics which has nothing to do with them or the machine or one thing about it. 

I can not and will not write and sit here and rpeat myself so I will be attaching all the things I would write here becayse they have already been written by me, and again on XX/XX/XXXX I was told not to worry about the money being taken out the next day and I was so on top it why would I ever call that much to make sure I get solutions and I get legal financial details about how it was invesgiated and was proactive and called several times asking what they needed frim me as I was told they needed nothing. Nothing? how do you conduct an investigation with nothing from a customer? Until I got in to this and now looking back what took place they didnt investigate it and I want proof before I ever put the money back in ever.THat is reasonable. That is also again what they said they emailed me and mailed me also in regular mail and I never got one time. I now have a negative account because they lied on XXXX when said not to worry and worse then negative of {$300.00} they stole because they charged insufficient fund fees and sent me an email today statating if I dont deposit money they will close the acccount and report me and this means due to them and their lack of one thing they are now threatening to close my account? Please see attachments for all details

Company response to consumer: Closed with explanation