Consumer complaint received 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been determined to be XXXX by Social Security and the courts. So my student loans have been forgiven after having them for more than XXXX yrs and paying back them when I was working and other times being on deferment due to my XXXX. About a year ago they told me they would be forgiven and that all the principal amounts I made into the payments would be refunded back to me along with me being under a 3 year monitoring in case I went back to work, which would reinstate them. 
Fast XXXX to XX/XX/XXXX... The Department of Education issued a refund check in the amount of {$1100.00} and I received it on or about the XXXX of XXXX. SO I did a deposit through my XXXX XXXX banking app where you scan both sides of the check and deposit it. The app told me the check would be on hold for 2 days while they get the funds payable into my account. At the time, I even had more than that amount in my checking account to cover it because I was just paid my SSDI check of XXXX on that Monday the XXXX, XXXX. I even received an email ( form letter ) saying the funds were on hold until the XXXX and would be released at that time. 
I didn't think anything of it and went on about my life until the XXXX ... the funds were never released and to this day, they are still holding my check while threatening me that if I take it somewhere else, they will charge me with FRAUD! They literally said that to me on the phone multiple times. 
I have called no less than XXXX times trying to do anything I can to resolve this issue. I have spoken to managers, front line people, and even drove XXXX miles round trip and took the physical check into the bank in XXXX, and everyone there said there is NOTHING they can do to help me. They even told me if I deposit it into the ATM, it is AGAIN fraud because I would be trying to cash the check twice. 

So I am stuck with NO MONEY, a hold that their FRAUD department says will NOT be released until XX/XX/XXXX, and a USELESS check that no matter what I do, I can go to jail for even trying to cash or deposit it. 

I DON'T UNDERSTAND... I AM NOT A CRIMINAL, I HAVE NEVER SEEN A HOLD THAT IS 60 DAYS LONG FOR A TREASURY ISSUED REFUND CHECK OF LESS THAN XXXX! 
I live PAYCHECK TO PAYCHECK .... ( MY XXXX  DIED IN THE XXXX ON XXXX XXXX AND HIS WIFE IS SUFFERING!!! ) MY VA XXXX CHECK COMES ON THE XXXX OF {$1500.00} AND MY RENT IS XXXX AND IT'S NOT A NICE PLACE.. I have XXXX left after my rent for gas, food, bills, etc My SSDI is XXXX IN THE MIDDLE OF THE MONTH AND THAT IS SUPPOSED TO PAY EVERY OTHER BILL I HAVE, IT NEVER DOES. I frequent FOOD BANKS at least XXXX to 4 times a month because I can not afford food and barely gas .... my car is almost 8 yrs old and I pray everyday it makes it through the day!

I DONT DRIVE A NEW CAR, I HAVE NO SAVINGS, AND THIS GREED CAPITAL ONE BANK IS HOLDING MONEY that I NEED and could USE right this minute! 

I have bills, I need things too and I am on a fixed income while these rich XXXX banks HOLD my money and make money off of my suffering .... IT SHOULD BE ILLEGAL AND I WANT THEM CHARGED NOW AND I WANT MY MONEY RELEASED NOW!

I HAVE ATTACHED 3 FILES BELOW 1. COPIES OF THE CHECK THE DEPT OF EDUCATION SENT ME 2. COPIES OF THE EMAIL CAPITAL ONE SENT ME AFTER I DEPOSITED THE CHECK VIA MOBILE BANKING 3. MY BALANCE AS OF TODAY WITH THE BOTTOM NUMBER SHOWING THEY HAVE THE HOLD ON THE XXXX BUT WILL NOT RELEASE IT DATE TIME - TODAY SHOWING I AM NO FOOL BUT I WANT MY MONEY NOW!

Company response to consumer: Closed with explanation