Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XX/XX/XXXX : After being laid off for a few months and running up credit card. Since I was starting new job making $ XXXX annually on XX/XX/XXXX. I tried to take advantage of zero interest for 18 months with my XXXX credit card to pay down my Quick Silver credit card. 

Deposited XXXXXXXX XXXX check for {$2500.00} to Capital One checking ( since I could not deposit it directly to Quick Silver credit card account ). Once the check deposited check cleared. 

XX/XX/XXXX Bank balance was negative {$1400.00} I phoned XXXX to inquire why the funds did not deposit. I learned the lock on the credit card that I did not use prevented the funds from transferring. 

After unlocking the credit card, I called Capital One, expecting the funds to transfer. That is when I learned my account was flagged for fraud. I provided the background information and would initiate a second funds transfer from XXXX electronically, not by depositing a check. 

I then submitted a funds transfer from XXXX to Capital One checking for {$2400.00}. 



XX/XX/XXXX : the funds had been sent to Capital One from the XXXX account but did not show in my checking account. I spoke to both banks to try to resolve the matter. 

The woman at Capital One told me that my account was closed after having the same account since XXXX, and I could not deposit funds. I never received a single phone call. I kept telling them that Ive been a customer since XXXX, they treated me like I was a criminal with ill intentions. 

I asked to speak to someone above her because I had submitted more than enough funds to cover the negative balance. I informed her that I had started a new job on XX/XX/XXXX and would get my first paycheck on XX/XX/XXXX. Even if my account was closed due to the mistake, that was the fastest way to get my account out of negative to allow the funds from XXXX to deposit. 

A supervisor gave me the following case number and address to send the funds. 
Case # XXXX Capital One Collections XXXX XXXX Capital One XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX : Called XXXX repeatedly to reverse the {$2400.00} balance that was never deposited into Capital One. Requested access to view my detailed checking register, I had a refund from XXXX for {$620.00} that I could not confirm. I was told that I would get access after the account was a XXXX. I requested monthly banking statements to be sent to me I never received another banking statement after XX/XX/XXXX nor was, I ever given access to review my account for either my checking or credit card. 

This is what I get when I attempt to view my transactions. I have no idea what is being charged to my Capital One Credit card. All my bills are setup to pay online automatically and direct deposit. I had to scramble to find account numbers to setup another checking account with my credit union. 

XX/XX/XXXX : Mailed money orders ( see copy of tracking number ) XX/XX/XXXX : Money orders arrived at Capital One at address above based on USPS tracking number. 

XX/XX/XXXX : Received check dated XX/XX/XXXX in the amount of {$2400.00} from Capital One addressed to Capital One. No explanation for the check. 

XX/XX/XXXX : XXXXXXXX XXXX removed the {$2400.00} from balance for check never deposited to Capital One. 

XX/XX/XXXX : Spoke to XXXX from Capital One who apologized for the rude and uncooperative behavior from the woman on XX/XX/XXXX. He informed me that my account was NOT CLOSED just frozen. The issue could have been resolved XX/XX/XXXX allowing the payment to be deposited. XXXX told me that my account would be restored once the funds were deposited. 

XXXX provided two addresses to send copies of all documents for Capital One to locate the money orders. 

Capital One Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Capital One Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX : Called Capital One three times, unable to get a human. Calls hang up. Unable to access my checking account statements. I have a pending issue with XXXX where I need to provide confirmation that I received the {$620.00} refund for cancelation. My request for bank statement to be mailed has been ignored. 

Money orders received according to USPS mail on XX/XX/XXXX but not deposited. 


XX/XX/XXXX : No reply to letters sent to XXXX different Capital One Locations. Still unable to access my checking or credit card statements online. 
Went to US Post Office to cancel money orders as lost since they have not been deposited for a month. Sent check for {$200.00} to see if it would deposit. 

XX/XX/XXXX Bank Statement Account Summary : Beginning Balance XX/XX/XXXX negative balance - {$1400.00}. Ending Balance : XX/XX/XXXX {$1400.00} this indicates they received both payments of {$1400.00}. Expected a check to be sent in XXXX as promised by Capital One Security Representative. 

XX/XX/XXXX : received detailed bank statements XXXX shows deposit reversal for {$2500.00} plus deposit from XXXX leaving overdrawn {$1400.00} XXXX shows auto bill payments rejected, money orders not deposited. 
XXXX A total of nine deposits : {$100.00} deposited to test, credit adjustment from credit union {$500.00}, two deposits from XXXX, second deposit {$200.00}, plus interest deposits. Leaving a balance of {$1400.00} that was supposed to be sent to me. 

XX/XX/XXXX : Capital One representative told me that there was a {$1000.00} charge-off which does not tie to the {$1400.00}. If it was less the {$620.00} refund from XXXX. {$1400.00} - {$620.00} would be {$860.00}. No one can give me a straight answer, just treat me like a criminal. I need access to my detailed account statements. 
Given another Case # XXXX Security XXXX XXXX Banking Statement : Beginning Balance XX/XX/XXXX balance {$1400.00}. Ending Balance : XX/XX/XXXX {$1600.00}. did not receive check XXXX - $ XXXX plus XXXX payment for {$110.00} and interest XXXX total {$1600.00} XXXX - {$1600.00} plus interest XXXX balance of {$1600.00} XXXX Beginning Balance {$1600.00}, deposit from XXXX  {$150.00} new balance {$1700.00} Capital One took a second payment of {$1400.00} and sent me a check for {$260.00}. I have not cashed the check I want my full {$1700.00} including interest to date.