Consumer complaint received 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Someone sent me money via XXXX to purchase a couch from me on XX/XX/XXXX, this was a in person transaction and the person received what was promised, a decent couch. i did not find this person online or anything, I vocally let everyone know at my job that i was moving and selling a couch and I gave my number out for them to call me, Someone by the name XXXX gave me a call and this is who I made the sell to. We meet up in person, she checked the couch and sent the money via XXXX, she said she was purchasing it as a gift for someone else, who now I am assuming whose name is in the memo. BUT I AM JUST ASSUMING. On XX/XX/XXXX I get a email from capital one stating were reviewing your account and all my accounts have been restricted because the purchase made a claim for the payment she sent for he couch, clearly this person is trying to reverse the payment, I have given this person a call, no answer, I assume I am blocked now. I reached out to capital one to explain what happened, they asked for the number and told me the number doesnt match the person? Ok how would I know that? I just mad a sell to this person, the number they called from could literally be anybody number but that is they way we spoke to each other number times leading up to the sell. I called the bank multiple times letting them know these accounts hold my savings and me and daughter have our direct deposit coming to our checking accounts, XXXX accounts total and we dont have access to none of our money. I am military and I am in the process of moving to another duty station, I need my funds, I stressed this multiple times and I one has helped the kept repeating the same thing over and over. No investigator has reached out to me to hear my side of the story and I feel like I am being blamed as the criminal in this situation. This is not my first time using XXXX, I dont use it often but Ive used it more then XXXX times maybe. Capital one is being shady and they are letting scammers get away with stuff like this because they dont get all the sneers they need from the other party, me! All they asked for was a number? No one has heard my side of the story, clearly they dont care and as a soldier, I dont want to bank with a company that does not care about me or my funds. Ive been with capital one for almost 5 years, never had a issue like this and now Im being blamed from something I dont have the heart to do which is scam someone. This was a authorized charge, I did not scam anyone but now I am the one being scammed and now I cant access my money and neither can my child. I cant even access my check I just got paid on the XXXX. I have NOTHING, how are you comfortable with your customers having NOTHING to there name. That is so inconsiderate and heartless! The investigation still couldve been done and I still couldnt been given access to my money. Now I dont care if the account gets closed because I dont like the way I am being treated right now, its the holidays and I have nothing. Thats very disappointing and words can not explain how upset I am.

Company response to consumer: Closed with non-monetary relief