Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My checking account with Capital One was closed without any notice to me at the end of XX/XX/2023. When I contacted Capital One early XX/XX/2023, I was told by a manager that my account was in violation of their terms. The manager would not explain to me what the violation ( XXXX ) were. I am XXXX and had set up my XXXX XXXX  to be deposited directly into the Capital One checking account. The last such deposit was made into my Capital One Checking Account was for XX/XX/2023 XXXX XXXX XXXXXXXX Income. Since they closed my account, I have not had access to any of my money from my XXXX payments. Capital One is holding almost {$5000.00} from my XXXX deposits and has not returned them to me. This has prevented me from being able to by medically necessary medications and it prevented me from being able to pay rent resulting in ongoing financial devastation. Capital One employees have been beyond discourteous when speaking to me and very unhelpful. The only way I was told that I could obtain my funds was when they mailed me a check which would be in 45 days from the date the account was closed. 45 days from the date that the account was closed would have been XX/XX/2023. As of todays date, I have been lied to multiple times by Capital One telling me that theyd mailed a check to me beginning in XX/XX/2023. This was not true. After my second complaint to your agency for the same matter, a Capital One representative had delivered to me a cashiers check via XXXX on XX/XX/2023. I deposited the check and it bounced twice and I have incurred two {$24.00} returned check fees as a result of Capital One issuing me a bad check. I still have not received the monies that Capital One is holding from multiple XXXX  deposits. I have suffered extreme and repeated financial and XXXX  XXXX from Capital One representatives from them refusing to return my funds to me, lying about checks being mailed, and gaslighting me by trying to tell me that they werent responsible for the check being returned when they knew or should have known that they were sending me a bad check. This is a FDIC regulated bank. All of these conversations have taken place over the phone and all have been recorded by Capital One. I believe that Capital One has violated State and Federal Laws by its actions towards me. Their actions have resulted in extreme undeserved harm towards me and are a violation of my rights under law. I am asking for assistance from your agency with this matter. 

IMPORTANT NOTE : I am a victim of XXXX XXXX  and it is very important that I am safe. I take measures to achieve that to the best of my ability. I ask that your organization not publish my full name and any of my contact information to the public and/or identifying information.

In order to resolve this matter Capital One should overnight a check in the equal to the amount of all funds plus the two {$24.00} returned check fees charged to me mmediately. They should also provide me with a detailed explanation of how I violated their terms because I do not believe that I did this.