Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was trying to use Bank of XXXX and Capital One to wire transfer money into my XXXX account. Bank of XXXX manager rejected the wire transfer in the short pump branch, saying I can not send any money to XXXX. I then wire transferred my money ( $ XXXX ) to Capital One thinking they would allow me to send a wire to XXXX. I went in to Capital One cafe in Short pump on XX/XX/XXXX and XXXX called the capital one customer service to confirm if I could send it to XXXX  and they said yes. I submitted a wire transfer request ( $ XXXX ) with her helping me that day around XXXX, the next day I got a call from the wire fraud department ( XXXX, ref # : XXXX ) and answered the questions that it was for my investment purpose to my XXXX  account and no one asked me to do it. She said my wire was denied due to XXXX being a scam. I tried to explain it is a big Crypto exchange that has been around for a while, she did not entertain anything I said and said there is no manager I could speak to. She also said the full information for rejecting is confidential and she could not tell me. Since XX/XX/XXXX, I tried another 1-2 more wire transfers to XXXX  ( $ XXXX, $ XXXX ), XXXX to XXXX  ( $ XXXX ) and XXXX to Bank of XXXX XXXX XXXX XXXX ) to try to get my funds out, but they rejected all of those and froze my account. 
Later I spoke with XXXX on the phone ( Capital One ) and also XXXX ( Capital One ) today. All have been unhelpful and since I tried to wire transfer to XXXX again and also a tried a wire transfer back to Bank of XXXX ( Who on the phone told me they actually do allow XXXX  wires and to try again ), my accounts are now Frozen. They said it is pending an investigation and I can not access my money ( $ XXXX ) till then and my accounts will be closed and I can not bank with Capital One anymore. XXXX, was recording my call so I told her I was going to record also, she said she did not consent to being recorded, so when I told her she needs to stop her recording she told me she will not and I need to stop. So then I told her I don't consent to being recorded either, so she told me she can not speak with me unless I consent to being recorded. I explained she can not say she does not consent to being recorded but keep recording and I am not allowed to record because she said that. I asked her if I could get the recording so she told me I have to subpeona capital one for the recording and if I speak to them they will not allow me to record them. This made no sense to me. Also I went in today to capital one to try to get my funds released, but XXXX in person and XXXX mentioned because of the notes and the investigation I could not access my funds or pay my bills and mortgage using money. XXXX explained that XXXX was a high risk wire transfer and so it was rejected, I told her its a publicly traded company and has been around for some time. I also explained that no one ever told me if I kept trying my account that they would freeze it and terminate my banking relationship. They did this without a warning all because I was trying to invest my funds into Crypto on XXXX that they did not want me doing. Now I am unable to pay my mortgage, life insurance or credit card bills for this month because they said the investigation can take 2-3 weeks. I feel my funds were wrongfully frozen and they did restricted me from accessing or doing what I wanted with my own money. I was told they will not be able to send me anything in writing and there are no reference numbers for any of the other calls.

Company response to consumer: Closed with explanation