Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Open XXXX checking account XX/XX/year>, an attempt to earn {$300.00} bonus, which had capital one requirement Stated as follows XXXX customer only promo setting up direct deposit- receive XXXX direct deposits of {$500.00} or more within a certain timeframe, that i did meet. Received XXXX deposits each of {$650.00} & additional third deposit was scheduled, meeting deadline capital one issued for my account specifically, for {$650.00} also. Mysteriously, the third deposit was split in XXXX payments of {$320.00} equaling {$650.00} as previous ones. Confirm with department making the deposit that they did not split the payment advice capital one of issue which was ignored. Determine for my bonus I spoke with a XXXX XX/XX/year>, who provided misleading information and claim I dont know, but you didnt meet criteria, so no bonus Again, informed him {$650.00} was scheduled prior to being issued. Ignoring me, and simply focusing on explaining different possibilities that couldve happened, but never taken into consideration that I had already confirmed it with the department that made it. Feeling disrespected, I asked to correct it that this was obviously a fraudulent move to not obtain my bonus. XXXX became hostile, ignoring me again, claiming I wasnt receiving anything because I wasnt eligible? I responded of course Im not gon na be eligible, because you guys split the last payment? Please fix that again ignoring me. I then remind him that I have a credit card with capital one with a total limit of {$300.00} that I will not be a victim of the fraudulent crime. I will not allow capital one to simply be little me and steal my bonus that I earned that I am entitled to and that I would use the credit card and they can figure out the payment for the credit card before finishing I asked him thats fair right? Or what are your thoughts? Should I spend the XXXX limit on this credit card and you can take care of it while you figure out who took my bonus? He responds sorry you feel that way but theres nothing I can do if you spend any amount on the credit card, will you obviously need to pay that you cant just apply it to your bonus because you feel entitled to I respondedIts not that I feel entitled to spend this amount, is the principle that you guys are lying to people claiming theyre eligible for XXXX dollar bonus if criteria is met? Then pull this petty foul move on them, and simply want to end it by saying yeah XXXX sorry, but no bonus even though we did our job our part? He hangs up not before a week later I find out that the XXXX checking account was closed which I had no notification of til the day. I dont know the reason why. But more shockingly a week after that my credit card was closed again no knowledge. As to why it happened. Fast forward until today and I have a balance unbelievably. Ive tried communicating with them recently about a week ago and we got nowhere the same group answer the phone claiming that I need to call a certain department that handles the XXXX checking account? Prior to me opening the account that was never an issue or even a recommendation? Ive escalated the issue with the proper department handle the XXXX checking account earlier this year I have never heard anything back from them till this day. The XXXX did email me sometime around XXXX claiming that if I was to argue over the phone again with them that unfortunately they would have to end my checking account? Literally a week later is when they close at XXXX account and a week after my Credit card. Confusing me because they did it anyway within weeks of email I responded to email XXXX XXXX XXXX never received a response. This was a straight fraudulent this move period!

Company response to consumer: Closed with explanation