Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : URGENT : Formal Complaint Against Capital One Bank for Severe Consumer Exploitation, Account Concealment, and Unlawful Retention of Funds ( {$2100.00} ) NOTICE OF INTENT TO ARBITRATE To Whom It May Concern, I am filing this high-urgency complaint against Capital One Bank , N.A. for egregious violations of federal consumer protection laws, unfair and deceptive practices ( UDAP ), and the unlawful withholding of my personal funds totaling {$2100.00} for over 19 months. Capital One has treated me with absolute injustice, tested my patience to the absolute limit, and is directly keeping my money trapped inside their systems without any legal authority. Verified Account & Identity Details : Bank Name : Capital One Bank, N.A. Account Holder Name : XXXX XXXX XXXX DatXXXX of Birth : XX/XX/XXXX Individual Taxpayer Identification Number ( ITIN ) : XXXX Account Type : XXXX XXXX Checking Account Account Number : XXXX Debit Card Number Associated : XXXX Total Withheld Funds : {$2100.00} Date of Restriction : XX/XX/XXXX Verified Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX | XXXX Detailed Chronology of Capital One 's Exploitation & Deceptive Misconduct : XXXX. The Unjust Account Freeze : On XX/XX/XXXX, Capital One immediately slapped a restriction/freeze on my personal checking account. This freeze occurred right after a completely legitimate transfer of {$1600.00} from XXXX XXXX hit my account, bringing my hard-earned total balance to {$2100.00}. I have preserved and attached official screenshots from XX/XX/XXXX proving this exact dollar amount and the specific restriction error code instructing me to contact the bank. 2. Systemic Stonewalling & Deceptive Customer Service : For 19 grueling months, I have done everything a consumer could possibly do. I made countless, exhausting phone calls to Capital One customer care. I begged them for my funds, asked for clear explanations, and demanded a tracking number for a disbursement check. Instead of helping, Capital One agents subjected me to a horrific runaround. They stonewalled me, gave contradicting excuses, refused to escalate the calls, and completely ghosted me. For over a year and a half, they have left me entirely in the dark. XXXX. Malicious Concealment of My Financial Data : In a shocking and highly deceptive move to evade liability, Capital One completely wiped, deleted, and scrubbed my XXXX Checking account from my online banking portal profile. Crucially, my active Capital One credit card remains fully visible and accessible on the exact same portal today. This proves there is no technical " glitch '' with my online profile. Capital One deliberately and maliciously hid my checking account from my view so that I could no longer see my {$2100.00} balance, effectively trying to erase the bank 's visible liability. XXXX. Where is My Fund? Capital One has held {$2100.00} of my money for 19 months, using it to derive financial interest for themselves while causing me immense financial hardship and severe emotional distress. If they claim they closed the account, where is my payout? They never sent a check. They have not passed it to any other entity. They are actively sitting on my cash internally, flatly refusing to give a customer their own property. This is flat-out illegal withholding. LEGAL WARNING : INTENT TO PROCEED TO XXXX XXXX If Capital One does not immediately release my funds through this regulatory intervention, take formal notice that I am fully prepared to escalate this entire matter to the XXXX XXXX XXXX XXXX XXXX ) for breach of contract, deceptive trade practices, and conversion of funds. I will hold Capital One accountable for the full balance, plus arbitration fees, legal expenses, and interest accrued over 19 months of unlawful retention. My patience is completely exhausted. Evidence Attached to This Complaint : To ensure the CFPB has undeniable proof of this theft, I am attaching : XXXX. XX/XX/XXXX Screenshots explicitly showing the active restriction error and my exact balance of {$2100.00}. XXXX. My Official Identity Documents ( ITIN/ID verification ) to eliminate any identity verification excuses Capital One might try to use to delay this process. Desired Resolution : I demand that regulators compel Capital One to immediately : XXXX. Issue an Immediate Payout : Cut a certified corporate disbursement check of {$2100.00} and mail it overnight to my verified address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Provide Full Audit Trail : Provide a complete ledger explaining exactly under what internal ledger account my funds have been hidden since XX/XX/XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation