Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have had a checking account with Capital One Bank for a few years now. I have been a loyal customer and have never had any issues until yesterday, XX/XX/year>. The appeal of the CapOne checking was getting paid a day early. I was expecting my paycheck to be directly despoiled into my checking account on Thursday, XX/XX/scrub>XXXX XXXX However, upon waking up, I noticed I did not receive my regular email alert stating I received a deposit early. I typically receive it at XXXX XXXX. I checked my account and saw nothing had been deposited from my employer. I waited until around XXXXXXXX XXXX since my previous paycheck ( XX/XX/year> ) was deposited around that time which was strange to me. After still not receiving notice, I checked social media ( XXXX ) at which point I saw other posting complaints. I checked my account again and noticed a message above my account info about there being technical issues. From what I saw, issues had already begun on Wednesday and I had to find out almost midday through a social media app. I called to confirm before reaching out to my employer as I though maybe it was an error on their end. But alas, I was told by a customer representative that the missing deposit was due to the technical issue. I then saw a response from Capital Ones Customer Service XXXX page that the issue would be resolved by next morning. Unsurprisingly, I woke up today ( XX/XX/year> ) to see my paycheck was still NOT deposited into my checking. I waited on the phone for XXXX hours to speak to another customer service representative named XXXX. Which I will say, the two reps I spoke with were very professional, sympathetic and never hung up on me like some have claimed. But he was unable to offer a specific time frame. He somewhat assured me that transactions would continue to be processed throughout the weekend and XX/XX/year> which is a banking holiday. Where my complaint leads to is the lack of communication and then delayed communication. I did not receive an email about the issue until XX/XX/year>XXXX XXXX XXXX XXXX No customer should have to become XXXX to find out what is going on with their bank. We put our trust and faith and I understand some things cant be helped. This issue could happen with any bank. But not sending out a more obvious alert makes me question their ability to be upfront with me and its many other customers. Banks and other vendors are so quick to charge us for everything. But it shouldnt be this difficult for consumers to get their money back. Every XXXX response gave the blanket apology and stated late fees would be paid. I think we should have a certain amount of interest paid to us for our inconvenience. Were living in a horrible economy where the majority, like myself, are living paycheck to paycheck. I am seriously considering closing my account. I need more than an apology. I want what the bank also wants, MONEY. I want my paycheck and then some. You owe me that much for the mental and emotional stress I have experienced these last 2 days. I have provided one screen shot of Capital Ones response about it being fixed by Friday morning and a snapshot of the email I received Thursday night.

Company response to consumer: Closed with explanation