Checking or savings account -- Managing an account -- Complaint #6358321
Complaint Overview
Complaint ID: 6358321
Company: Capital One Financial Corporation
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem making or receiving payments
State: New Jersey
ZIP Code: 07203
Date Received: 2022-12-24T12:00:00-05:00
Date Sent to Company: 2022-12-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Good morning, To whom it may concern, during the holidays we can all agree that money plays a big role in our lives. Gifts are not the only expense during the late months of XXXX in fact rent is due on the first a week right after. Capital One makes it impossible to enjoy and be stress free during these months which should be joyful and full of gratitude by not providing the customers with our deposits from work until the following day that the business is open. So for instance XXXX XXXX falls on Saturday this year followed by XXXX XXXX on Sunday. Normally, Capital one deposits checks that are officially made available to customers by Saturday early morning around XXXX am unfortunately if its a holiday then the money will not be available till Tuesday the earliest day possible. Plenty other banks understand about human decency and are compassionate enough to deposit and make checks available a day in advance due to holidays obstructing regular payments on specific days. Im just not understanding why must I panic and put my life on hold because a company as such is just so selfish and careless enough to not look out for its customers by finding a solution to fix this problem. I have spent up to 4 days crying during holidays every year in which I was unable to even buy lunch if I wanted to because of not having money in my account. I am XXXX XXXX XXXX and its a struggle for me and Im sure plenty of others from all different ages to financially make ends meet and even more horrific during times I shouldnt be. A change definitely needs to be made.
Frequently Asked Questions
What is Complaint #6358321 about?
Complaint #6358321 was filed against Capital One Financial Corporation regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2022-12-24T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Capital One Financial Corporation?
Yes, visit the Capital One Financial Corporation company profile at readthecomplaint.com/company/capital-one-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.