Consumer complaint received 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
So Capital One has been the only the most confusing but the most unhelpful car company bank account people I've ever come across ... this instance is after multiple weeks of having my new credit card and making the deposits to bring my credit line back and using it virtual cards and the real card number on XXXX and other things like that there was no issue up until about 2 days ago when I was opening the banking app, and I tried to replace a virtual card my text alerts told me that my account was restricted and then I needed to call Capital One to get it unrestricted and they were telling me that we were just wondering if these deposits were legitimate or not and that unless I was able to have the person that fully only account that the the most recent deposit request was legitimate and that there was no illegal issues or falsified transfers happening... mind you that the deposit request that they were most concerned about was a {$3.00} deposit request, all while the past deposits that have gone through and had no issue whatsoever were in the ballpark of {$130.00} to {$350.00} and so on ... no issue there and they weren't concerned about anything until that {$3.00} deposit request and they said I'm less I can get the other person up to bank account on the phone to give specific information to verify that my account was going to be restricted and then when I tried to make a payment with my other account, that was not possible. Even though I had three customer service agents say it was. And so me being a beneficiary of the account that was used means that they are wanting the fiduciary, and my dad is the fiduciary of the account that I have been using to make my deposits it is my first bank account I used XXXX XXXX once because my host home provider was willing to help me out in the time of need because I needed to get out of a sticky situation and my fiduciary was leaving to go on a trip to XXXX which is where they are now. And so that was that and now they're making it to wear apparently they can't close my account I can't open another account I can't make a payment I can't do anything with my account whatsoever nor am I seeing proper account balance that I need to pay off the point where I don't know exactly what to do I don't want this to cause my credit report to go down especially cuz I just this is my first credit card and I don't want it to negatively affect my credit report I don't want to have a bad banking history that might or might not affect future bank accounts that I might have and overall I just I'm needing to either come my account closed or have it reopened so that I can actually also pay my bills pay the outstanding balance and actually be able to function as a human being cuz I use that for gas I use that for work I use that for everything and with it being restricted I have no access to groceries gas food Lord asked anything and they are basically making me feel like they're giving me the runaround cuz I'm a new member cuz I've gone on and researched that Capital One can close your account, but the company itself has to do it I can't do it from my end ... and so overall there's no legitimate reason for this whole situation that I'm currently in now and I really would rather not just sit by and wait for a miracle to happen or for them to come to their senses or actually follow through with them saying they are going to send me important information and whatnot or mail me information that hasn't happened yet ... and I honestly don't think they're actually going to send me mail me or even really do anything to help rectify the situation

Company response to consumer: Closed with explanation