Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a major issue with capital one. I filed 1 claim as a chargeback for legitimate purposes. The company real prize started to refund only part of it but in turn looks to show that they agree. Capital one still has claim open. Shortly after, my debit card was lost. I had XXXX taken from me and XXXX deposited fraudulently into my account. I opened a new checking account with them per their own instructions. I moved my direct deposit to the new checking account. I made 4 separate claims on this due to posting dates of transactions and trying to report them as soon as possible. I went for almost a week with calling them and not getting any sort of update from them. They even had my new checking account on early pay for my paycheck which is typically for accounts in good standing. I called each day multiple times a day this week to get an update. Due to government shutdown, I could not file an affidavit with the FTC on the lost debit card and fraud. I have also had trouble reaching the XXXX Police for a non emergency report. I have called them 3 times in the last two days and have not heard from the telephone reporting unit. I have no other way to report this as stolen. I was calling in today to let them know that I am still trying to file a police report. I can not make it into the station due to work and home responsibilities. As I went to call I saw an email stating they are closing my accounts and severing the banking relationship due to unusual activity on my account. The disputes are not resolved according to the claims department and I had no option to move funds before this decision was made. I was fully made to believe that my account was in good standing. My paycheck was just deposited yesterday. I now have no access to money and can not pay my bills. They let money be deposited but restricted so that it can not be removed or transferred. I am living paycheck to paycheck and can not afford to wait up to 90 days as described to get my paycheck that they allowed to be deposited early per accounts in good standing early pay enrollment. I am shattered. I will go hungry without access to my money and my credit will be negatively affected. I tried to get them to lift the restriction so I had access to transfer funds but they were unable and unwilling to provide any recourse or action in this regard. The simple fact of restricting an account with no access to deposited funds that were deposited early per their own specifications for a program is cruel and very disheartening. I will be severing all ties with capital one, but I would like some sort of resolution. Furthermore, when I spoke to the customer protection supervisor, I received a 2nd email stating thank you for speaking to us, your account is under review. They could not account for the 2nd email and only repeated that the banking relationship was ending. I have included both emails from them about account closure, early deposit, The refunds, and the call log with XXXX from my phone for the police report.

Company response to consumer: Closed with explanation