Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
* My late father 's date of death was XX/XX/XXXX ( XXXX time ). 
* My father, an American citizen, was an expatriate domiciled in XXXX, who had permanent residency there. He was widowed. 
* My brother and I are his only living heirs, and my brother provided approval that I act as administrator, which I just got this year from the XXXX  XXXX. 
* My father had a checking account at Capital One for years, which I believe he opened while living in XXXXXXXX XXXX XXXX years ago, where he was born and lived for many years prior to going to XXXX. 
* While alive, my father indicated by telephone and in person that he had a Capital One checking account in the XXXX. He even, on occasion, sent me a few checks from that account. * My father also communicated that he had a Capital One checking account ( approximately $ XXXX ) in an email prior to his death. 
* My father never indicated that he closed the Capital One checking account. 
* My father did not have any beneficiaries listed on his account, nor did he have a will, so we had to use an attorney to get administration rights, which took a while due to XXXX inept attorney, then we had to find another. As a result, it wasn't until XXXX that I was assigned a Certificate of Voluntary Administration by the Surrogates Court of the State of New York XXXX. 
* I have contacted Capital One several times to inquire about my deceased father 's checking account and have only been told that there is " no open account '' under his name. 
* I have asked via telephone and email what happened to the account for which I have provided a copy of a statement with an account summary for the period XX/XX/XXXX, XXXX XXXX, XXXX, showing an ending balance of {$20000.00}. That period is AFTER my father 's date of death, XX/XX/XXXX. So clearly, if there is a statement indicating a balance of {$20000.00} after his death, my father did not close the account BEFORE his death. 
* I would like to know, as his Voluntary Administrator for his estate, the HISTORY of the account indicated on the Capital One statement with his name. 
Specifically, the information I am requesting from Capital One is : 1. While there is no " current '' open account, according to Capital One Bank Estate Operations, what is the history of the account indicated on the bank statement for the period listed after my father 's death. 
XXXX. What happened to that account? I understand banks may close accounts that are inactive after a year or so and perhaps they received statements back from my father former address in XXXX and decided to close the account. 
XXXX. What happened to the money in the account? Was it sent to the state, etc.? 
XXXX. I do not find the answer Capital One has been providing me that there is " no open account '' acceptable when I have provided evidence that indicates my late father did indeed have a Capital One checking account and there is a statement indicating the account had a cash balance and it was still active AFTER his death. 
I also don't appreciate a couple of the customer service reps suggesting that this is not a XXXX account when Capital One does not operate in XXXX and I have provided a copy of STATEMENT from Capital One! And Capital One has made no attempt to investigate the history of the account. 
Thank you.

Company response to consumer: Closed with explanation