Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Formal Complaint Account Restrictions and Mishandling of Communication I am writing to file a formal complaint regarding the unjustified and mishandled restriction placed on my Capital One account, which has resulted in severe financial and reputational harm. 

On [ XX/XX/year>XXXX  and XX/XX/year>XXXX  I discovered multiple automatic withdrawal declines, prompting me to check my account. The online message displayed that the customer is not able to have access to the funds or make any withdrawals. I immediately contacted Capital One customer service and spoke with three representatives, a supervisor named XXXX, and later a manager named XXXX. 

I was informed that the XXXX XXXX Verification Team had been trying to reach me to verify basic personal information such as my address, phone number, and income. However, I have not received any emails, letters, or phone calls from Capital One or the XXXX team. After reviewing my records with the supervisor on the phone, I confirmed that there is no correspondence or proof that any such attempts were made. 

The restriction placed on my account has prevented both withdrawals and deposits, including deposits meant to bring my account current. Despite having a pending deposit to correct a small negative balance, Capital One declined it and froze all access to funds. 

This action has now : Caused returned payments and late fees for legitimate business transactions.

Damaged my reputation with vendors and clients. 
Prevented me from operating my business effectively. 

This has also prevented any deposits to be accepted by the account to bring the account positive it had gone negative and was - {$80.00} at the time that I was notified and I had XXXX deposits of {$320.00} each as well as a deposit of {$15.00} all denied and declined. As a result, this is tarnishing my record for complying with the policies and procedures of the account itself and bringing it in to good standing in a timely manner as requested and my responsibility and Capital One has halted that. 
Multiple automatic withdrawals XXXX being my Possible loan of {$110.00} was denied another XXXX of {$29.00} which is also an automatic withdrawal its a different amount every two weeks and multiple accounts set up to be withdrawn every single day here on out that are now going to be returned or denied. 
Both supervisors admitted there was no fraudulent activity, no suspicious alerts, and that the restriction was solely due to verificationbut could not provide any evidence that Capital One attempted to contact me beforehand. I was also told there is no direct contact number for the verification department, that I must wait up to 10 days, and that Capital One will not be responsible for any resulting fees or damages. 

This is unacceptable. Capital Ones handling of this matter represents : Negligence in customer communication and verification.

Improper account restriction without proof of notice or cause. 
Failure to provide an avenue for timely resolution or escalation.

I am requesting the following actions immediately : 1. Full reinstatement of my account access and removal of any restrictions.

2. Written explanation of why the account was restricted and documentation proving Capital Ones prior communication attempts.

3. Full reimbursement of any overdraft, returned payment, or related fees incurred as a result.

4. Confirmation that this incident will not negatively affect my credit or account standing. 

Please treat this as an urgent and formal complaint and provide written confirmation of receipt. If unresolved, I will escalate this to the Consumer Financial Protection Bureau ( CFPB ) and, if necessary, seek legal representation for damages incurred. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation