Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
b'Understood. Below is a CFPB complaint draft that is firm, severe, factual, and non-emotional.\nIt is written to trigger compliance review, not sympathy.\nYou can paste this directly into the CFPB portal and adjust names/dates if needed.\n\n\n\nCFPB COMPLAINT  UNREASONABLE HOLD, UNAUTHORIZED TRANSFER, AND CONSEQUENT HARM\n\nInstitution: Capital One (N.A.)\nAccount Type: Consumer Checking (Two accounts at same institution)\nIssue Category: Managing an account / Problems with deposits and withdrawals / Unauthorized transactions / Closing an account\nRelief Sought: Full investigation, restitution, reimbursement of losses, and regulatory action\n\n\n\nSUMMARY OF COMPLAINT\n\nCapital One deprived me of timely access to verified personal funds, closed a clean account without justification, transferred funds without my consent beyond any negative balance, mishandled a documented dispute, and delayed release of funds despite repeated notice of imminent harm. These actions foreseeably caused catastrophic property loss, medical crisis, and ongoing legal harm.\n\n\n\nFACTUAL BACKGROUND (XXXX)\n\t1.\tI maintained two checking accounts with Capital One.\n\t\tAccount A: temporarily negative approximately XXXXn\t\tAccount B: new, clean, never negative, always in good standing\n\t2.\tPrior to deposit, I contacted Capital One and asked:\n\t\tWhether depositing a XXXX check into Account B would present any issues\n\t\tWhen funds would be available\nCapital One explicitly confirmed next-day availability and stated there would be no problems.\n\t3.\tI deposited the XXXX check into Account B in reliance on this representation.\n\t4.\tInstead of making funds available:\n\t\tCapital One closed Account B\n\t\tPlaced a hold on the deposit\n\t\tInformed me funds would be mailed by check\n\t5.\tOn [date], Capital One confirmed the check was valid and approved (funds available as of the XXXX.\n\t6.\tDespite:\n\t\tVerification of funds\n\t\tMultiple daily escalation calls\n\t\tExplicit notice of imminent property loss\n\t\tNotice of disability and medical risk\nCapital One refused to provide access, refused interim solutions, and refused to restore the account.\n\t7.\tOn [date], Capital One mailed a check for only XXXX which I received after the critical deadline.\nI was forced to pay XXXX to cash this check. The issuing bank verified the check within minutes, demonstrating that Capital One could have acted promptly but chose not to.\n\t8.\tWithout my authorization or consent, Capital One then:\n\t\tTransferred approximately XXXX from Account B into Account A\n\t\tCovered the negative balance\n\t\tExceeded the amount necessary to offset the negative balance\n\t\tDid so without notice or permission\n\t9.\tCapital One then mailed an additional check for approximately XXXX weeks later.\n\n\n\nDISPUTE MISHANDLING\n\t\tThe negative balance related to services not rendered (XXXX-related charges).\n\t\tI provided:\n\t\tPolice report information\n\t\tNotice of eviction/removal\n\t\tExplicit statement of non-delivery of services\n\t\tCapital One accepted the merchants statement without meaningful investigation and denied my dispute, despite my direct attestation and documentation.\n\n\n\nIMPROPER CONDUCT AND FAILURES\n\nCapital Ones conduct includes, but is not limited to:\n\t\tUnreasonable hold after verification of funds\n\t\tClosure of a clean account solely due to another accounts balance\n\t\tFailure to provide reasonable time to cure (10 days for XXXX despite incoming verified funds)\n\t\tUnauthorized internal transfer exceeding the negative balance\n\t\tRefusal to provide interim access (temporary credit, cashiers check, branch pickup, or restored account)\n\t\tDeliberate delay despite repeated escalation and notice of severe harm\n\t\tMishandling of a disputed transaction\n\t\tFailure to accommodate known disability and hardship\n\n\n\nDAMAGES AND CONSEQUENCES\n\nAs a direct and foreseeable result of Capital Ones actions and delays:\n\t\tI lost documented personal property exceeding XXXX in value\n\t\tI lost irreplaceable family property, including my grandmothers urn\n\t\tI suffered medical collapse, including:\n\t\tTwo fainting episodes\n\t\tMultiple panic attacks\n\t\tCalls to the 988 crisis line due to acute stress\n\t\tMy health significantly declined\n\t\tI am now forced into unnecessary court proceedings and recovery actions\n\t\tI incurred fees and costs I would not have incurred but for Capital Ones actions\n\nThese harms were clearly communicated in advance and were entirely preventable.\n\n\n\nWHY THIS VIOLATES CONSUMER PROTECTION STANDARDS\n\nCapital One acted outside reasonable banking practice by:\n\t\tExercising unilateral control over my funds\n\t\tIgnoring verified funds and hardship notice\n\t\tActing oppressively and unfairly under UDAP standards\n\t\tDepriving me of my own money without lawful justification or consent\n\nI never agreed to:\n\t\tIndefinite holds on verified funds\n\t\tAccount closure without cause\n\t\tTransfer of funds beyond any negative balance\n\t\tSubstitution of Capital Ones judgment for my own financial decisions\n\n\n\nRELIEF REQUESTED\n\nI respectfully request that the CFPB:\n\t1.\tRequire Capital One to provide a full written accounting of all actions taken\n\t2.\tInvestigate the legality and reasonableness of the hold, closure, and transfer\n\t3.\tOrder reimbursement of all fees, costs, and losses caused by delayed access\n\t4.\tReview Capital Ones hardship and disability handling procedures\n\t5.\tTake any appropriate regulatory or enforcement action\n\n\n\nCLOSING STATEMENT\n\nCapital Ones conduct deprived me of access to my own verified funds at a critical moment, directly resulting in catastrophic personal, medical, and financial harm. I did not consent to this treatment, I did not refuse payment, and I did everything required of a reasonable consumer. This matter warrants immediate regulatory scrutiny.\n\n\n\n\nXXXX XXXX\n\n\nThe XXXX negative balance was from the XXXX XXXX to XXXX XXXX. No bank gives 10 days to cure XXXX. The bank denied proper time for me to cure my balance. I am a human being I had plans for every single dollar that I was receiving, my plan was to invest and then with an appropriate amount of time pay the XXXX within the first 30 days of the amount capital one took my money did whatever the hell they wanted to well knowingly, cause a disabled person to lose his lives worth of property and caused a harm that no judge nobody in this lifetime can cure because the belongings are gone. It has been sold and theres no cure to it how big storage deliberately exceeded the time it takes to handle funds and especially to close the account closing the account takes approximately one maximum two days they have taken 3 1/2 weeks capital one did not give Britain notification prior to closing the account capital one had no credibility to close an account on a clean account. I never was exceeded the amount of time negative on a bank account I had never had a problem with the capital one prior that day capital one had no cause to believe of the funds to be fraudulent because I had government deposit of XXXX and more prior the check there was always money on my account. The account was always being used, and there was no reason to believe the account or the account holder is acting on something fraudulent. The only fraud was committed is by capital one they deliberately stole my XXXX  and gave it to the services that was not rendered thats civil theft. I the coholder have continuously told them that it was not handled properly. They absolutely did not want to hear a single word out of my mouth thats not customer service that is slavery. I gave them my money and theyre no low and bound to be subjugated to their wheel as long as Im concerned they work for me not me them. They have to answer me not me them. They are the people who hold my money so I wouldnt hold it in my pocket. I trusted them with my money. They have given me every worst case scenario of the worst case scenario. On top of it all they knew that I was dependent adult with disability. I am not young. I cannot accumulate or by or accomplish the goals that I had already accomplished by me losing my storage unit government protects people with disabilities and they have violated government policy. FBI should be involved to this. I will go, and I will complain publicly so other people will not trust his garbage of institution that all they do is literally take your money to whatever they want to disregard every single possible reason you give them completely disregard however the other persons their customers whom they are money from issue and they favored to somebody else and they punish the person who is their customer for being their customer and for having money that is capital one and I will do literally in my power within legal rights to make America know what the crap of establishment is garbage of an establishment is I have Britain documentation records of conversations, their actions, clearly black-and-white, and the harm that I had endured irreparable harm to a disabled adult living with a terminal illnes.'

Company response to consumer: Closed with explanation