Hi, I opened a checking & savings account at " Spark Business Bank Account online '' ( a new service from Capital One Bank, it 's a business account that can be opened online, but the downside is you can not deposit cash or withdraw cash from this account, you can only withdraw cash from ATM XXXX for my newly formed corporation " XXXX XXXX XXXX XXXX XXXX '' and I began using the account and everything was good. One day I log in to my account, I wanted to transfer funds from my checking account to the savings account, because even though at the time I opened the account I opened a checking and saving, they only allowed XXXX XXXX checks to the checking account, so after it posts I transfer it to the savings account to accrue interest. So back to three weeks ago I logged into to transfer money from my checking to saving, and it came up a error message that I need to call in. At first the representative asked me XXXX questions to make sure I 'm not using someone else 's identity, and even though they knew I was n't and I was fully verified, they figured that now that my account has approx. {$20000.00} it 's the perfect time to put a hold in order to make me miserable, and going through such aggravations that I was very close to a XXXX XXXX. The rep tells me " We decided to close your account since the {$10000.00} check you deposited was not good '' First I asked for an explanation what not good means, and I was not given XXXX, all she said is " I also does n't know but this is what I see in the notes, and there 's nothing more I can do for you!! ". So I 'm basically now in a position where Capital One Bank has close to {$20000.00} of my money, and I 'm not being given a reason why, and they tell me they do n't have an answer for me what 's to be done next. The next day I call again, and I guess a representative with a little more feeling for another Human Being felt the pain I 'm going through, and she told me the reason is ( from what she can see in the notes ) is that Capital One has a feeling the XXXX check was either stolen or will be returned. I instantly called the company that issued me the check and explained everything I 'm going through, and unlike Capital One Bank that seek to make your life miserable, provided me with a copy of the check that it was cleared, along with a copy from his bank statements showing that the check was out. And I myself saw in back on the check that Capital One accepted the check and they have the funds. I instantly emailed it to Capital One, but as expected no response. So I called again for the next week every day several time, every time I was told I 'm being transferred to the fraud department, and after waiting 20 minutes I was told " OH SORRY THEY TRANSFERRED YOU TO THE WRONG FRAUD DEPARTMENT '' and I was further transferred to a voice mail, I left XXXX of messages begging for a call back and offered everything in the world. I asked specifically XXXX times if I can go into a Branch, and not even XXXX phone call ws returned!!!! 

Bottom line, I opened an account, once I had close to {$20000.00} Capital One decided " now is a good time to hold the funds, so we might pass the stress test '' and I was accused of not being XXXX XXXX, I was accused of depositing a stolen check, I was not given the opportunity to prove myself, and not even to prove myself in persona. 

I therefore ask CFPB to help me with this, so I should n't have to spend way ore on a lawyer to take Criminal Action against them, because if I do n't do it, then there 'll be thousands of people with money stuck in these accounts. 

Thanks XXXXXXXXXXXX