Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX my banking account with Capital One processed the amount of {$800.00} I had transferred from my main bank which is XXXX XXXX XXXX ( XXXX ). I had received an email, that same day, stating and I quote " We are restricting your Capital One 360 account ( s ) until we can verify your recent account activity. Based on the results of our review, your account ( s ) may be closed and your balance -plus all interest earned- will be transferred to your externally linked checking account. If you do not have an externally linked checking account or if the account linked is no longer open, a check will be mailed within 7-10 business days to address on file. '' I first called them on the XXXX in a confused panic as to why I didn't have access and what went wrong. The first day was XX/XX/XXXX, I had called three times ( XXXX, XXXX, XXXX ) excessive, yes. I was sent to a voicemail all three times. None of which I was called back for. 

I called once again on XX/XX/XXXX at XXXX to leave another voicemail becoming frustrated as their voicemail states someone would contact me in 48 hours if they deemed it necessary. My account was still locked. 

Same thing once more I called again XX/XX/XXXX, no check in the mail and no call back. 

XX/XX/XXXX at XXXX, I finally got to talk with someone and was even on the phone with the representative for a half an hour. She put me on hold a lot. She conferenced with XXXX and had them verify that it was my account and that the money did come from me. Right when I thought things were settled and I would be able to have access to my account again she then stated that Capital One no longer wanted to do banking services with me, and that I would be getting a check in 7 to 10 business days. She stated it was because XXXX was a prepaid bank, which made no sense to me. 

Trying to give the bank the benefit of the doubt, I waited for the check that never came, I tried again XX/XX/XXXX, XXXX this time to ask where the check was, because I haven't seen the money, they kept informing me I was going to receive back. They informed me it was going to be sent out that day. 

I got nothing, so I called again on XX/XX/XXXX XXXX to see what was going on and I was transferred to leave a voicemail once more. Again, not receiving a call back. I called again on XX/XX/XXXX I was transferred directly to the voicemail with no call back. 

Today being XX/XX/XXXX, I went to Capital One to speak with a bank agent. She also was put on hold only for her to inform me that XXXX was going to have to dispute the transfer that went through and is in the Capital One checking account. The lady said it was my only option at this point, even though they have my money and I there for them to finally close my accounts. 

It has been a total of 69 days since the deposit went through. I have started a dispute with XXXX for Capital One to get my money back, but XXXX informed me there is a possibility of it not happening because I need to have verification from Capital One that, that is what they said. I am tired of being Ping Ponged back and forth with Capital One and wish to get all of my banking money out of their hands as soon as possible : I have two CD accounts with them as well as a checking and savings I don't have access to. 

Total Capital One owes me : {$1000.00} As they had stated they would send me when they claimed to be closing my accounts.