Consumer complaint received 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This complaint was originally under XXXX that was closed today on Monday, XX/XX/XXXX. The reason for this second complaint is because Capital One has not and continues to not be helpful. There was a .pdf document attached to this closed complaint but unfortunately it could not be accessed due to technical difficulties on the website. I had to call and speak to a CFPB representative earlier today to ask what was the status of my closed complaint. I was told that Capital One wanted me to call XXXX to answer some questions. However when I called it requested a 7 digit number extension that was not provided to me. Now I have called the Capital One bank at XXXX and was asked by a representative to verify my identity. I did so by providing a color photo of his NY DMV license the front and the back. While speaking to the representative, I am being given the run around and asked ridiculous questions such as whether or not the XXXX retrieved the XXXX funds that were disbursed into my account. The XXXX XXXX funds was provided to me and Capital One froze access to my bank account. Once again I find myself filing another complaint against them since they are not providing me quality customer service. 

I am in need of my funds in order to conduct my business. Please refer to the original complaint below this margin. There was no reason for this complaint to be closed since Capital One is still giving me a hard time. Now this is the second complaint I have to file against Capital One. I know that this is blatant discrimination in their part because they can not understand how a sole proprietor such as myself managed to get XXXX XXXX funds. Based on my interaction with the Capital One customer service, I am under the impression that they believe I am being deceitful. After being given the runaround for one hour, I have learned that my funds were sent to the US Treasury department. Even if I can not retrieve my funds, I want this complaint against Capital One to stay on public record. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I, XXXX XXXX XXXX received the XXXX XXXX loan back in XXXX of XXXX for the amount of {$19000.00}. The funds were disbursed in my Capital One business bank checking account. I have used that money but by XXXX of XXXX, Capital One froze my account. I called customer care at that time asking for the reason behind this. I was told by a few different customer service representatives through the phone very different answers. The one answer that stood out the most was that they were not allowed to discuss that over the phone. Also they would always say that they will get back to me. I have even asked that they provide me a letter in writing stating why my checking account was frozen but the phone representatives refused. Between then and now I never received an email, letter or a phone call regarding my frozen bank account by Capital One. I have about {$4500.00} in that account and need to retrieve that money. This money was given to me by the federal government because of the financial losses my business has and continues to experience due to the XXXX lockdown. I find it insulting that my ability to access my funds were frozen by Capital One bank. It is even more disrespectful that they are not giving me a good reason. I kindly ask that I be assisted in retrieving my money back from Capital One bank as soon as possible. Thanks.

Company response to consumer: Closed with explanation