Consumer complaint received 2025-01-18 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: TN

Complaint narrative:
Capital One claims they have a technical issue and I wont be getting my direct deposit from my employer, and they are sorry. I was not given a time line when I would be getting it. My check was processed Wednesday Night XX/XX/year> its now Saturday XX/XX/year> and still nothing. 
My companies normal pay days are biweekly on Wednesday nights. I dont get paid early because of capital one thats our actual pay date. 
We are now on day 3 half and I am already {$1500.00} in debt because of capital. Ive called multiple times, my husband had called multiple times and all we are being told is oh yeah were working on it. Your funds will be there on Friday. Oh it will be there with in an hour I cant give you a time line when you will get them sorry repeat the same lines over and over because the customer services reps. are reading from a card. They are not helping anyone do doing anything about it. We live paycheck to paycheck not having my income is a major hit. Its now impacting both of my children that I cant go get formula for or food because I do not have my paycheck from my employer. Its effecting my sons ability to got to preschool because his tuition bounced, our cell phone bill bounced and 3 other transactions bounced in the total of {$1100.00}. And capital is doing NOTHING about it. Ive tried to get something in writing but they refuse to email me anything that I can use as proof to show my sons school for his tuition to prove I actually cant pay them, or proof to give to the cell phone provider. No answers, absolutely no help, and flat out do not care whos lives they are destroying. I have been told for 2.5 days Its resolved you should have your money NO I DO NOT! Also was told by capital one that to help they will consider helping with late fees you may have accrue. During this issue Consider?!?! 
So $ XXXX is going to make up for the {$1500.00} Im now in debt because their mess up?? 
Considering or not considering late fees will not feed my children, late fees wont pay my childs tuition for school, late fees wont cover my car payment that is also with capital one and since auto loans is other division & personal banking has nothing to do with them I am still being asked for money. Do you have another account?? We really need you to pay today. Can you get someones account to make a payment? 
When do you expect you to pay on your car loan? 
And my answer is I dont know maybe you should ask your boss when I will get my paycheck? 
The lies day after after now I cant take it. My family needs my income. 
And the VERY minimum Capital One needs to fully reimburse me for the {$1500.00} just as minimum. We are still stressing on how are we going to buy formula, milk, water anything. 
They need to clear my accounts pay the XXXX credit cards we have with capital one as well and wipe those where the balance is {$0.00}! So at least families like myself some kind of funds. 
I Need capital one to totally let go of my hard earned money that I worked XXXX hours a week for. And XXXX out my balances on our credit cards XXXX %. Because considering covering late fees is NOT going to cut it. I cant buy food, formula, baby food, I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now this is not only effectively myself in huge ways, its effecting the well being of XXXX XXXX, also since XXXX XXXX tuition bounced from preschool he cant go back till its paid. My last phone call to capital was at XXXX I was actually told it might go into night but we cant promise that to you. We cant give you a time line. So you will have to just deal for now. 
I want them reported and I want MY MONEY BACK! Plus compensation.

Company response to consumer: Closed with explanation