Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
XXXXFor anyone who may read this I believe it is important to remember in doing so that this is about a secured I'll repeat a secured credit card not a credit card there is a difference in the terms and conditions on this and so long as I am in good standing with the amount of money that is there and taken from there and I have done no illegal services on my card there is no legal movement to allow a credit card company to keep my deposit for my secured card unless I owe them and I do not owe them I've overpaid they did not give me not a single dollar for credit every bit of the money on this card came from me it's all a secured card I started out with a $1,000 limit that I put so it's a secured limit and now the card is $XXXX to the good so that means that I overpaid this card that means that I have no reason for them to try to keep my money I don't owe them anything they owe me over what I put on it originally and I apologize but here's what happened On or around XXXX XXXX XXXX I applied with Capital One for a credit card they refused my credit application but accepted to give me or offered me a secured credit card where and I accepted and deposited $1,000 of my own money that I had set aside for bills that I needed to pay though I figured I had enough time by the time I received the card I would still be able to make it in time and build my credit at the same time so I received the card and used $300 off of it and decided I no longer needed the rest I was going to leave it there and stop at the 300 while away my wife ended up in a situation with the rent money and needed to use some money I told her we had the Capital One card she could use it for the $500 payment when she tried to make it the card locked up and I received a notification of fraud alert so I immediately called because now I was in Jeopardy of my wife being on the streets or kicked away from our place while I was gone which would leave her on the streets alone so I called them they informed me that I need to verify my identity they were sending me a link so I went to the link they asked for XXXX months bank statements and I kind of laughed at it because how in the world is anybody going to verify my identity by a bank statement but I appeased their little game and sent the bank statements as they wished for they refused I sent more I sent more and I sent a letter with my lawyer's number on it signed by my family written by my family saying that they help with my finances I sent more bank statements after that three different times I send in many different documents they refused all of them and no matter what they refuse my rights in that because they told me that I had to send in a bank statement with my name on it showing deposits in the amount that were on the application the annual adding up to the annual amount on the application though in searching I found a federal law that states a consumer agency is to allow a consumer 21 years of age or over to use the income as someone else if it is regularly used for their expenses so they deny my rights for all of this in the card was still locked they finally cancel the account said they were going to issue me a refund for my $1,000 because I had already paid back made the payments and paid back the $300 I used on it actually overpaid it on an accident so the card is no longer $1,000 it is actually $XXXX XXXX which is $XXXX to the good I have the pictures if this site here allows me to link them I will it shows minus $XXXX which as you know a credit account that means I am $XXXX paid over so now they owe me $XXXX they're refusing to pay all of the sudden unless I verify my XXXX months bank accounts as they wish I've tried they I have no idea what's going on we're starting to get rude with each other now they've made me mad I told him they were acting as a kid and I acted as a kid I'm not talking to him anymore I just want my money back I need to know what to do please and thank you so much for listening thank you so much for your help and if there's anything else you need as well they have told me that at one time they play games like back and forth and one of the games they played was leave me on hold for an hour at a time but the other one they played was telling me my phone number is not even the phone number that was on the application which is a lie they also told me my phone number is not on the account they can't verify me by my phone number or verify my my account by my phone number complete lie it's the only number I have the only number that was on the account it's the number on the application every time I call there automated system the phone system tells me thank you we have verified your account by your phone number for your protection so therefore the system recognizes my number it's inside of my application portal which I will also add in a picture a screenshot here if this allows me to thank you so very much for your assistance if there's anything you can do to help me get my money back which is now a time where I kind of end up needing it that would be very greatly appreciated either way your service you do here is something we all need at times and we can lend you for doing so thank you and God bless"

Company response to consumer: Closed with monetary relief