Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to formally raise a complaint regarding the prolonged and unresolved delay in verifying a check deposited into my Capital One account, and the significant financial and personal impact this situation has caused. 

[ Summary of Events ] On XX/XX/XXXX, I deposited a payroll-related check into my Capital One account via ATM. 
My online banking indicated that the funds would be available on XX/XX/XXXX, and I relied on this information to plan essential payments, including our apartment lease obligations. 
When the funds were not available as indicated ( XX/XX/XXXX ), I contacted Capital One customer service and was instructed to visit a branch in person. 
We traveled to two different Capital One branches, both of which were closed, incurring transportation expenses ( approximately USD XXXX ). 
I was not able to use the fund, so I needed to use the credit card for the XXXX service to secure my new apartment. ( 3 % of USD XXXX of Grantor fee = XXXX ) On XX/XX/XXXX, we visited an open Capital One branch and spent XXXX hours from XXXX to XXXX attempting to resolve the issue, but could not solve the problem. 
During this visit, we were repeatedly asked to provide an employer/HR phone number to verify the check. Despite providing the requested information, the verification requirements changed multiple times, and the check was ultimately still not verified. 
As of today, the funds remain unavailable. 
And we need the fund by XX/XX/XXXX ( Thursday ) to secure our new apartment in XXXX XXXX. Because of this issue, we are about to lose our new apartment. 

[ Resulting Financial and Practical Impact ] Because of this delay : We were unable to use funds that Capital One had indicated would be available. 
We were forced to use a credit card to cover urgent housing-related payments, incurring approximately 3 % in fees on USD XXXX. 
This delay also caused us to forfeit a USD XXXX XXXX savings account sign-up bonus, as we were unable to meet the required deposit threshold due to XXXX Ones failure to release the funds as indicated. 
We incurred transportation costs and lost over XXXX hours of work time due to branch visits and extended verification attempts. 
This situation placed our apartment lease at risk and caused significant stress and disruption. 

[ Requested Resolution ] Given the seriousness of this matter and the tangible harm already incurred, I formally request the following : 1. Immediate release and availability of the deposited check funds, without further delay or additional verification requirements. 
2. Full reimbursement and compensation for all direct and measurable financial losses already incurred, including but not limited to : o Credit card processing fees incurred as a direct result of the unavailability of funds, 3 % of USD XXXX ( USD XXXX ) XXXX Transportation expenses related to multiple branch visits ( USD XXXX ) XXXX Loss of a USD XXXX XXXX savings account sign-up bonus, which we were unable to receive due to the delay in availability of our deposited funds. 
XXXX Lost wages ( USD XXXX ) resulting from approximately XXXX ( XXXX ) hours during which I was unable to work due to time spent attempting to resolve this issue. 
( My monthly salary is USD XXXX ( annual salary USD XXXX ), equivalent to a daily wage of approximately USD XXXX, representing a clear and quantifiable financial loss attributable to Capital Ones delay ). 
3. Full responsibility and compensation for any additional damages should this delay result in our inability to secure our apartment lease, including but not limited to : XXXX Costs associated with locating alternative housing, XXXX Additional or increased security deposits, XXXX Higher rental costs or the necessity of accepting less suitable housing, XXXX Ongoing financial and non-financial damages arising from prolonged housing instability over the lease term. 

We expect Capital One to compensate us for all of the above-mentioned costs and damages in full. 
Failure to promptly resolve this matter and make us whole will leave us no choice but to pursue recovery of all actual and consequential damages through regulatory complaints and legal action. 
We would prefer to resolve this matter promptly and without litigation ; however, the financial and personal impact of this issue is substantial and can not remain unaddressed.

Company response to consumer: Closed with explanation