Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
What happened ( timeline ) Account issue and reversal of funds On XXXX my Capital One checking account became blocked/restricted. 

At that time, Capital One indicated my funds were being returned, and the checking account was effectively not usable. 

Capital One used setoff/transfer from savings On XXXX Capital One used funds from my linked Capital One savings ( setoff/transfer ) to clear a debit/negative balance in the checking account. 

After the setoff/transfer, my accounts were brought to {$0.00} ( or an otherwise cleared/settled state ), and Capital One then sent the remaining savings balance to an external linked checking account on XXXX My understanding is that Capital One treated the matter as resolved at that point. 

Merchant charge posted after the account was blocked and resolved Despite the account being blocked and the funds being returned/settled, a merchant charge from XXXX Rental XXXX XXXX 11 days later on XXXX in the amount of {$1600.00} This charge caused my checking account to become negative again in the amount of {$1600.00} ( plus any fees, if applicable ). 

I also had overdraft protection on the account, and I do not understand why a charge was allowed to post in a manner that created a negative balance after the account was already blocked and after Capital One had already performed the setoff/transfer and returned funds. 

My actions and XXXX Ones response I contacted Capital One repeatedly starting XXXX and continuing over 3 months to dispute the situation and request correction. 

Capital One has not provided a clear explanation addressing : why the charge was permitted/posted after the account was blocked and after funds were returned/settled, why the account was not properly closed out or protected from new postings, and why the setoff/transfer and return of funds did not finalize the account in a way that prevented this outcome. 

As of XXXX, the negative balance and/or related fees remain unresolved ( and if applicable : I am concerned about adverse credit reporting and internal collections over a balance created by this sequence of events ). 

Why I believe this is XXXX XXXX Ones actions created an inconsistent and harmful sequence : first blocking the account and using setoff/transfer funds to clear it and return funds, then later allowing/posting a charge that reopened the account into a negative balance. This has caused extended disruption and financial harm. 

Impact on me Unexpected negative balance of {$1600.00}. 

Significant time spent on calls and follow-ups over 3 months with no clear resolution. 

Stress and hardship related to the unresolved balance and uncertainty around reporting/collections. 

What I want Capital One to do Remove/reverse the XXXX Rental XXXX XXXX {$1600.00} ( or otherwise correct the ledger so I am not responsible for a negative balance caused by this posting sequence ). 

Refund any related overdraft/returned item/interest fees stemming from this issue. 

Provide a written explanation and transaction-level accounting of : the setoff/transfer from savings, the external transfer of remaining funds, and the posting details for the XXXX charge ( authorization/settlement XXXX and why it posted after the account was blocked/settled ). 

If any negative reporting occurred, correct/delete any adverse credit bureau XXXX XXXX to this balance and confirm in writing. 

Documents I can provide ( upon request ) Account transaction history showing the setoff/transfer from savings, external funds return, and the later XXXX posting XXXX of communications and dispute attempts Any notices stating the account was blocked/restricted and any overdraft protection details

Company response to consumer: Closed with explanation