Consumer complaint received 2024-07-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello, on XX/XX/year>, I added my XXXX XXXX checking account to my Capital One Checking and Savings accounts ' managed non-Capital One bank accounts so I could do transfers from either Capital One account to my XXXX XXXX checking account. After adding the XXXX XXXX checking account successfully to my Capital one non-Capital One bank accounts, I attempted to transfer {$1000.00} from the Cap One checking to my XXXX Checking ( confirmation # XXXX ). I then received an e-mail from Cap One that the transfer was cancelled and then another e-mail stating my accounts were now restricted. The e-mail stated- '' We noticed unusual activity on one or more of your accounts. For your protection, weve restricted your Capital One accounts until we can verify some recent activity. ". So I have called the XXXX Cap One Fraud Department ( as was recommended in the Cap One e-mail ) about 25 times on XXXX and XXXX. They require uploading your Driver 's License to them that you MUST take with your phone only. So for whatever reason, it would not work most of the time. Unlike a real bank such as XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, etc, Capital One does not allow you any other way of sending them your government ID other than taking the picture through your smart phone. You should be able to upload it through your computer through a secure e-mail link like real banks do-not Capital One. I spoke with Cap One agent XXXX about an hour on XXXX around XXXXXXXX XXXX  est and she verified my DL was successfully uploaded via my phone to Capital One. However, she just gave me a real hard time for some reason. I recently moved to a new temporary apartment closer to my job about XXXX miles from home. Since it will be awhile here, I got a post office box address and put that on my Cap One accounts. I also put my cell phone number on my accounts. So it was explained that I used multiple devices to login to my Cap One app and website. I explained I have used my 3 cell phones ( XXXX XXXX XXXXXXXX, and XXXX phones ) and a XXXX XXXX XXXX and XXXX to get on the Cap one website or app. I explained that I transferred phone service from my XXXX XXXX to the XXXX phone. XXXX gave me a real hard time about this-I could not believe this at all. I said I can not login to the Cap One app on XXXX since it does not have phone or data service. So anyways, I just have been given a real hard time with this and need the CFPB 's help here please. The Cap ones reps say I need to visit a Cap one branch-well there is no physical branch anywhere near me over XXXX mile radius. One Cap one rep said I needed to go to another state verify this-LOL, can you believe the audactiy of this person to say that? There is a Cap One Cafe in XXXX ( over XXXX miles away ), but I called them and the rep said this situation is not something they would handle. So I just please need some help here to get Cap One to release the holds on my Cap One Savings ( XXXX ) /Checking ( XXXX ). I will also be filing XXXX complaint against Capital One and State of Virginia Attorney General Complaint against Capital One. Capital one needs to realize you just can't take someone money and refuse to give it to them. Thank you to the CFPB.