Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Someone I know accidentally XXXX  {$220.00} to my capital one acct they immediately called me, to notify it was a mistake which end up going to my negative account I had. Due to her sending that it cleared up most of the negative balance which left me with - {$29.00} so I wasnt able to even XXXX anything back. This happened on XXXX XXXX2025 I tried to call capital one, but due to the XXXX  they were closed. She was able to get in contact with her bank XXXX .They were supposed to put in a dispute. I finally got in contact with capital one the next day and they were basically saying that they cant give the money back. I had a deposit that came to me that cleared the negative balance but it wasnt a deposit. It was a XXXX  I was telling them from the jump that that payment wasnt a deposit and was never supposed to come to me it actually was a XXXX and I even requested to get the money sent back. They even made a claim to request the funds back to her account. I informed them multiple times that the money was not supposed to be to me. I even tried to make sure she was going to have her funds because I knew my account was closing due to the negative balance due to me not being able to pay it because of financial hardship I knew my account was going to close, but I did not expect a XXXX to come through accidentally and I feel she deserve her money back considering that wasnt supposed to come to me and I feel like if both parties is explaining to both banks XXXX  and capital one that this wasnt a valid transaction how come it isnt being enforced or really looked at they kept starting claims for this situation just to deny the claims Ive been calling them multiple times since XX/XX/XXXX till now just for them to go ahead and close my account anyway Capital one never sent her her money back and on top of it clearing the account and only leave {$29.00}. I at least wouldve thought they wouldve let me keep the account and just had me figure out the money with her, but they never got back to me before the account close and I even suggested if I cleared the {$29.00} would they be able to credit my account so I can send her money back and they told me no. My account was negative they kept telling me that shes not getting her money back and they can not do that when before they told me that once the claim was done, she should have her money back, but since the XXXX clear most of the negative balance I know they dont wan na give that back, but I feel since half of the balance was cleared. How come my account still got closed how come it was no other options for me I also have my car note with them and my credit card. My payments are on time. I was getting weekly checks in that account. My account was negative due to fraud that I called and reported about in XXXX they gave me a credit for all the transactions that was taken and it totaled up to {$250.00} in the beginning of XXXX, 2025 they sent an email stating my claim was declined and that all the credits will be taken back and thats what made my account negative. Ive been fighting that back-and-forth and have gotten nowhere but to take someones money and clear my negative that had nothing to do with them and still close my account without no solution at all and Ive been calling since day one and im not sure what her bank is able to do because the account is restricted now and this just doesnt sit right with me.

Company response to consumer: Closed with explanation