Consumer complaint received 2019-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am a customer at Capital One bank, XXXX XXXX XXXX. I have had this account for over 3 years now. I have been waiting on a settlement check from an auito accident back in 2017. I planned on using this amount ( XXXX ) to pay credit cards off and mortgage payment, ; and also a lawyer for a divorce i an going though. 

I had stopped using this account last year due to excessive overdraft fees imposed by cap one. ( XXXX fees at XXXX each ). for XXXX check i thought I cashed already. I talked to cap one, but they would not remove only XXXX. So I did not use that account. Until this past week when I needed to deposit the check i got for the settlement. 

I had tried other banks, but it was too large. So i tried XXXX, and it took it. and it was put on hold as i expected it would be. Then within the next couple of days I showed {$5000.00} available. Then the next couple days I paid bills with the available amount. This was on XXXX - XXXX I paid XXXX different bills. and my XXXX that i held off until i got this check. 
After the weekend i had not noticed the balance changing. I thought maybe becasue iof the weekend that come this week they would start being paid. On Tuesday -* Wednesday, still no change. So i tried using the debit card for that account., it was declined. That wast the first time I really figured there was something was wrong. So i called XXXX XXXX. At first they told me everything looked good and should work. Then they took a closser look. They came back to me and said my account had been charged off? What? First i have heard? So ok whats the fix, it shows my full amount available.? and i have payments going thru? Then I was told the account was restricted? What? why? and how come I didn't know? and why did it accept my check and show available? Plus they deducted the amount for the overdraft from last year!! and I still have not access to my funds, and payments are not being returned for NSF, with associated fees!! f plus a mark on my credit score for being late. 
XXXX XXXX tells me the only thing they can do is to issued a paper check back minus the NSF fees. and that will take XXXX to XXXX business days. so i have to wait to make all of these other accounts right, pay my mortgage, etc oh yeah and EAT! Now i have no money and i am out the fees they had already charged off. over {$250.00}. I asked them to open a new account and put money into that. Nope cant do that, have to send a check that is it. no matter who i spoke to, cold, uncaring and reverted back to fine print policy. over and over., I am so frustrated and angry at what they have done to me. and I am just supposed to sit here and be good with all of it. No. They have been unfair to m, e as a consumer. that check should have never been accepted in the first place. especially if it had been charged off, but not closed? And then proceed to show the amount available with a little green dot next to my debit card showing it was all good to go. 

This cant be right? I asked them if they are going to pay for al lof the fees that will ge the results of this. yeah right. Thats it. I am sitting here waiting on a check so i can try and right this ship/. but Cap One should not be able to do this to a consumer. and then basically tell you tough luck, nothing you can do about it!! this is so wrong. I am at my wits end dealing with this and all of the phone calls now coming from the returned payments! Plus with the divorce i am having to XXXX   my house to pay off my soon to be ex her portion of the house to finalize the divorce. now with this, my current mortgage payment will be late and affect my credit score and possibly nixing my refi chances and that opens up a whole other can of financial mess.. 

This should have never been allowed to happen. if the account was restricted and charged off, it should not have been accepting deposits.