Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
At approximately XXXX on XX/XX/year>, I attempted to withdraw {$2000.00} from my checking account and deposit a check for {$1700.00} @ the Capital One branch located on XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I provided my credentials and I waited patiently while the teller casually scrolled through my account for a good XXXX minutes, I directly asked her if there was a problem because it was taking a very long time to process my transaction. The teller stated that is there procedure to review the account, I waited some more while other customers came and went and then she stated that she needed authorization. I asked her for what, she went over to a phone to call and she was there for another 5 minutes and I am watching her and she is giggling. There was a male teller nearby, I asked if he was the branch XXXX and he stated no that their XXXX was unavailable in a meeting. I asked the teller to give me my documents, she photocopied my documents and I waited on line for another teller. The next teller stated that there is a restriction on my account and I asked her a restriction for what and was the restriction placed by the previous teller and she stated that she can't answer, the system did not allow them to see why. I remained in the branch and I called the bank directly, I was transferred to a different dept. ( I can't recall the name ). He stated that my account was flagged because the check I deposited was not signed by the name on the account and I explained that was accurate, it is signed by the person 's agent. He further stated there are business checks also previously deposited signed by the same person and I explained that is accurate as well because I work for him too. I embarrassedly waited until he stated that the review was completed and I could complete my transactions with the teller and I was able to do so without any further issues. A few hours after leaving the branch, I received an email stating that my accounts are under review right now because unusual activity very different from the way I normally bank. It further stated depending on the outcome your accounts may be closed and if your accounts are closed, any remaining balances owed to you will be transferred to your externally linked checking account ( which I do not have ) or check mailed to your address on file ( I need to verify that they have my current address ). I felt and still feel hurt, I did nothing wrong but ask a question and then it gets worst because you tell me I will get the final results of the investigation when it's completed with no timeline. I need to live, pay my rent and pay other bills through my account. I have automatic payments linked to my account, so far XXXX have bounced, who is responsible to pay these fees incurred and then the email states that I locked the card. So my questions, is what kind of games is being played? I did not know it was a crime to work everyday. I need assistance to resolve this matter.

Company response to consumer: Closed with explanation