Checking or savings account -- Managing an account -- Complaint #6657157
Complaint Overview
Complaint ID: 6657157
Company: Capital One Financial Corporation
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem accessing account
State: California
ZIP Code: 948XX
Date Received: 2023-03-06T12:00:00-05:00
Date Sent to Company: 2023-03-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is XXXX intertwined issues. On XX/XX/22 i attempted to purchase a large item from XXXX ( where I used to live ) And I went over limit. I went back to pay off my balance, as Id been intending to and thought Id already done it. I opened the app. And on the app my Capital One card said this account has been restricted I was Surprised/thinking they must not have as sophisticated a system as, eg XXXX which sends me texts, etc when it thinks a purchase is fraudulent and asks if you are indeed the one making the transaction. ( Ie I guessed that they thought it was fraudulent because it was through a XXXX store ). But Capital One never got in touch. I thought it was strange. But I went ahead and paid off the balance as Id been intending ( the balance was from a major surgey ). And figured itd be back to normal in no time. And Several days later, Id had no contact from them and it still said the account restricted. So I called and was told : that they cant tell me anything about it. Not about why. Not about what happened. Not about whats being done right now. Nothing. Ive had a bank account with Capital One 360 checking account for years ( around a decade ) but only recently opened a credit card. Several days later, I posted on XXXX to capital One, asking if this behavior was normal/could someone please speak to me about it. I am, after all, a XXXX. And XXXX is a useful tool. ( And if something happens to me, I know usually its happening to others. ) That was XXXX days ago. Today, I went on to my app. Which normally shows XXXX accounts, the checking account with $ XXXX ( literally all of my money ) and the credit card account which Id paid off. And today, the checking account has simply disappeared. I logged onto my computer thinking maybe it was a mobile glitch. And it wasnt there. Ive never overdrafted. I dont ever use checks, so Ive never bounced a check. Was there identity theft? I have zero information. And at the moment Capital One has taken all of my money.
Frequently Asked Questions
What is Complaint #6657157 about?
Complaint #6657157 was filed against Capital One Financial Corporation regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2023-03-06T12:00:00-05:00.
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.