Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
This XX/XX/XXXX, I deposited a pay check whichs amounts is {$2800.00}, into my Capital one saving account. It was posted on XX/XX/XXXX, but they held it since then. I can not use my money. 
I went to their office 3 times. And they said I need to prove that my check is legal. I followed their instructions and provided as many informations as I know. It made me feel I was suspected sort of financial crimes. But finally they said that held still can not be removed because I can not provide the phone number which should relate to the business that I work for. 
I am new XXXX XXXX XXXX. I am in the XXXX period, I am allowed to have a part time job. I work for a XXXX rXXXX XXXX XXXX XXXX already. This check is my salary pay check of XX/XX/year>. I usually deposited them into my XXXX bank account. There was no any problem happens. But Capital one bank is different. They said I must find the correct phone number that relate to the account which the check came from, otherwise they will hold the check for totally two months.

I asked my manager for the phone number. He gave me 5 phone numbers that would be fit for the requirement. The first one is the front desk phone number ; the second is the website phone number ; the third is the managers phone number ; the fourth is the business owners phone number ; the last one is the business owners daughters phone number. But all those five phone numbers are not the correct one. I was so confused and anger with the Capital ones requirement. I think this should be their responsibility to prove the check legal or not, not mine. I am not suspect of any crime, I do not need to prove myself. My job is legal! My pay check is legal too! 
The 2nd time I went to their office they just said the held will be removed after the XX/XX/XXXX. I think it is not a long period, so I chose to wait for the remove. 
However, more ridiculously, they put another held on both my checking and saving account on last Friday morning, XX/XX/XXXX. I went to their office again at today morning, XX/XX/XXXX. They said this unusual situation is relate to the be held check. I still can not prove my check is legal, so they put another held on all my accounts and I am banned to withdraw any money from Capital one bank. I just transferred {$2100.00} into the saving account on XX/XX/XXXX. Totally, {$5000.00} was held. 
I can not accept this because I am XXXX XXXX XXXX already. I am not a simple kid that just graduated from college. Before I came to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have XXXX XXXX XXXX. I deal with sorts of banks for many years, I never met this stupid situation before, in any other country. 
And furthermore, which made me to decide to complain them is they said today, they will investigate my accounts, before the investigation is ended, the held on my accounts will not be removed. 
I think they are fooling me. They just do not want me to use my money.

Company response to consumer: Closed with explanation