Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX University XXXX XXXX XXXX XXXX, Washington XXXX DC XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Regarding Capital One Account Access and False Delinquency Reporting Incident Report Capital One Account Access Issue Date of Incident : XX/XX/year> Locations Involved : XXXX. XXXX ( XXXX ATM ) XXXX. Capital One XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX Account Involved : XXXX checking account ( Capital One ) Description of Incident : 1. On XX/XX/year>, I used my ATM card at the XXXX XXXX ATM. The ATM displayed a notice that XXXX would not charge a fee but Capital One will and that Capital One allowed only $ XXXX withdrawal, which contradicted prior information from Capital One staff indicating a $ XXXX limit and that is free to use ATM at XXXX. 2. After the ATM withdrawal was restricted, I drove XXXX miles to the Capital One XXXX XXXX XXXX XXXXXXXX branch. I attempted to access my account at least five times without success. 3. A branch staff member assisted by troubleshooting and resetting my account password, allowing access to my funds. 4. Following the password reset, I closed my account. When asked why, I replied : I want it closed. The account closure was completed successfully. Additional Notes : System restrictions and fraud flagging caused delays, inconvenience, and stress. Branch staff were polite and helpful, and no employee was at fault. The incident may be connected to an active dispute with XXXX XXXX Bank ( XXXX ) regarding alleged delinquencies. Consequences : Temporary inability to access funds Repeated ATM withdrawal failures Forced travel to the branch Account closure Background I have an active dispute with XXXX XXXX Bank ( FHB ) regarding my auto loan account ( No. XXXX ) for a XXXX XXXX XXXX XXXX which was paid in full and closed on XX/XX/year>. The account was active for 57 months, during which I made consistent, timely payments. Only 12 payments were a few days late ( 25 days ), which does not constitute delinquency under standard reporting practices. Despite this, XXXX reported the account to XXXX XXXX and XXXX in ways that mischaracterized it as delinquent, creating false or misleading entries. I have formally disputed these entries with FHB as the furnisher, requesting reinvestigation under FCRA 611. I have also submitted disputes to XXXX XXXX, and XXXX, requesting that inaccurate, incomplete, or misleading entries be corrected or deleted. Despite my compliance and no wrongdoing, Capital One flagged my account and referred it to the XXXX department, causing delays in accessing funds, prevented timely withdrawals and created the potential for a false delinquency record. Capital One had previously declined my credit card application that I did not take notice. However, but the subsequent eventsincluding fraud flagging, delayed access to funds, and repeated ATM and branch denialsstrongly suggest these actions were tied to the false delinquent reporting in my credit file. Request to CFPB I respectfully request that the CFPB implement stricter rules to protect depositors from : 1. Unnecessary restrictions on access to their own funds or limits inconsistent with account agreements. 2. Delays in the release of cleared deposits, particularly for customers flagged due to disputes or suspected fraud. 3. Prejudice against customers affected by false, misleading, or inaccurate credit or delinquency reports, which can result in denial of services, delayed access to funds, and financial harm. I urge CFPB to ensure banks can not unjustifiably withhold or delay access to funds or penalize customers based on reporting errors outside the customers control. These measures would prevent financial harm and protect consumers who, like me, are victims of misleading reporting and systemic delays. Sincerely yours, XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( # XXXX ) Member, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation