Consumer complaint received 2016-04-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was a member of Capital One bank since XXXX. When I open my account it was Rewards checking. I had no issues until XXXX. In XXXX XXXX, my account changed to VIP interest because Capital one did away with Rewards checking. For some reason, my account was compromised and they had to close the account and open another one. A check was deposit for {$40.00} from creditproshield. Which this company do n't even exist and had the wrong address. For almost 8 years, I never any issues with my account being compromised by check. So because this happen they had to close my account. When they closed the account I had to change all my ach. However, the account was lock and I could not stop bill pay. Capital one did n't stop the bill pay. The bill pays was to Unemployment and all was returned and I received fees from Unemployment. I am also in the process of possible being prosecuted for fraud if I do n't pay the fees. They open up another account which was essential checking. I had so many issues with this account. But the main issue came in XXXX XXXX XXXX XXXX, XXXX, I deposit a check for {$1300.00} from my XXXX account XXXX It was kicked back because my money in the XXXX account did n't clear yet. However, I had a payroll deposit of {$3200.00}. So Capital One received money from that deposit. However, I notice they returned XXXX of my transactions. I did not receive an email or anything. When I contacted customer service I spoke with a Manager name XXXX XXXX XXXX ) and she told me Capital One the right to do what they want with my account. But I never had this issues before with items being returned. On XXXX, I deposit a check for {$1100.00} and received an email it would be deposited on XXXX. The next day I notice the deposit disappeared. I went into the branch at XXXX XXXX and spoke with XXXX XXXX. She contacted the fraud department because my account was on hold. She spoke with XXXX in the Fraud Department and he informed her that they did not accept my deposit for {$1100.00}. Also my account was under investigation for fraud and I could only put cash in the account. I had took the {$1100.00} dollars out of XXXX and had the cash. So he informed her whatever I put in the account I could not get anything out. So I only put {$600.00} what was owed until the investigation was done. He informed her someone will be contacting me on XXXX. Also all my ach will be kicked back and I can only make cash deposits. On XXXX, I. checked my account and I notice Capital one had deposit the check for {$1100.00}. When I was informed they was not going to accept that deposit. So when they try to get the money it would not be there because I got the cash on XXXX. Which I was informed to do by fraud department. On XXXX, I went back up to the bank and spoke with XXXX XXXX and she contacted the fraud department again. She asked them why was the check deposit when they informed her it was n't. She spoke wit Deforeft and he said that there was no notes. He also informed me because I took the phone. That I was not assign to an investigator. I asked him to have all calls pulled. Because I do not want it to look like I am lying. I called the fraud department a couple days later spoke with XXXX and she informed me that XXXX did not say none of the stuff above. I asked to speak with a supervisor and she said someone will call me back. A couple days later XXXX called and close my account. I called back and spoke with XXXX and she was nasty told me I had to pay my balance. I asked what happen with them pulling the calls. She told me my account was closed and nothing else could be done.