Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/year> I deposited tax refund check into my checking account! I was told that funds will be available on XX/XX/year>. On that day funds wasnt and thats when I decided to contact Capital One. After contacting the bank I was told that a hold was put on the check and that funds would not be available until XX/XX/year>! I asked why is that and they gave me the run around! Stating that the check need to be verified why my refund is that amount & how they cant get in touch with the Treasury Department to verify the check. I ask what can I do on my end and they told me I need to contact the Treasury Department and was given an incorrect telephone number. After do some research I contacted Treasury Department myself to make sure that the check was good & verified. Once I ended the call I contacted capital one bank again and explained that I spoken with someone from the treasury department have proof of verification of the check and that I can email directly to them which they refused. After call ended I contacted treasury department again and explained to them that my bank reached out and left messages for treasury department to call them back which I found to be untrue! The treasury department stated that capital one refused to send email requesting check verification nor check the website to see that the check was valid and verified. I was told by capital one bank that they cant verify check in such form of ways and that they need to speak with someone from treasury department in order to remove the hold and if not I have to wait until they see if anyone else claims that check. Now at this point I reached back out again to the treasury department to see if theres anything I can do on my end and they informed me to upload copy of check via email to their department for verification which i did and it shows that the check is verified. This is the last attempt at calling capital one back with the information and details of verification and capital one refused it. At this point I so upset stress and mental health is in full effect because Im in process of being evicted and not able to feed my XXXX children. I made it very clear to capital one about being in financial crisis/ eviction and they showed no empathy compassion and was nasty to me. Im reaching out to you to see if anything can be done what are my right 's and to handle this matter as urgent and quickly. The Treasury department informed that the bank never attempted to reach out provided contact information or left them a voicemail. The amount of stress and strain that this matter has put on me is unbelievable! I find banking with capital one has been a nightmare problematic misleading information check being on hold for two months is unacceptable and some form of action and complaint should be taken against capital one bank. No one should have to be forced out their homes due to un professionalism when the funds should have been released and made available in my account. My contact number is listed above if you have any further questions about this matter. Thank you so much for allowing me to share my experience and hope that no one else has to go through something like this.confirmed that capital one never made any attempts. I did everything to reason and offer assistance & explained to capital one that Im in a financial crisis with XXXX children facing eviction and capital one seem less worried or concerned. The Department of Treasury informed me that capital one refused to send an email requesting for check verification & check treasury websites to see that the check was issued to me and that it was verified and good to go. Capital one bank has sent me on a journey with misleading information failure to do its t job and holding my government Tax refund without any given reason or notice. Banking with capital One has been an unpleasant unprofessional f experience.