Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, IA XXXX Re : Complaint regarding {$2700.00} check deposit to Capital One request for resolution without reversal Account holder : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MI Phone : XXXX Email : XXXX Company : Capital One N.A. Company phone : XXXX Account type : [ Checking / Savings ] Account number ( last XXXX digits ) : XXXX Deposit amount : {$2700.00} To whom it may concern : I am filing this formal complaint because Capital One has not resolved an incorrect or delayed processing of a {$2700.00} check deposit I made to my account. On [ date of attempted deposit ], I deposited a check for {$2700.00} into my Capital One account ( account number ending in [ XXXX ] ) using [ mobile deposit / branch deposit / ATM deposit ]. The deposit currently shows as [ pending/reversed ] as of XX/XX/XXXX ]. I contacted Capital One support at XXXX on the following dates : XX/XX/XXXX - XXXX ( representatives :. Despite these follow-ups, the bank has not credited my account or provided a satisfactory resolution. A clear timeline of events : Check was written by regions Bank for {$2700.00}. - XX/XX/XXXX Check deposited via Mobile deposit ] ; deposit confirmation/reference number : [ - [ Date ( s ) of communications ] Called Capital One at XXXX on [ date ( s ) ] ; spoke with [ representative names or XXXX ], who said [ summary of what was promised ]. - [ Date bank last updated status ] Capital One indicated the deposit was [ pending/reversed/no action ], and I was told [ next steps or lack thereof ]. - Current status as of XX/XX/XXXX [ pending/reversed ]. Issue and impact : Capital One has not provided a reasonable explanation or final resolution after multiple contacts, and the delay/ reversal of this deposit has caused [ describe concrete impacts, e.g., overdraft risk, missed payments, business cash flow disruption, or other financial harms ]. I requested clear documentation and a timeline for resolution on [ date ], but Capital One has not delivered the promised follow-up or credited my account. And now have restricted my account Requested remedy : - Immediate investigation and final resolution of the {$2700.00} deposit so the funds are properly credited to my account, or a clear written explanation with supporting documentation if Capital One asserts the deposit is invalid. - Reversal of any fees or charges that resulted from this matter ( list amounts if applicable : [ fee amounts ] ). - Written confirmation of the outcome and the steps taken, including the name and contact information of the bank representative handling the matter. Attached evidence ( see checklist below ) is provided to support this complaint and to facilitate your review. I am available to provide any additional documentation or authorization needed. Please contact me by phone ] or [ email ] if you require further information. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation