Capital One Bank Account Or Service Complaint

Checking account Making/receiving payments, sending money

Capital One Bank account or service department,

Checking account Making/receiving payments, sending money

I opened a non-resident transaction/checking banking account at Capital One Bank in 2014. Recently, when i wanted to transfer money out of that account ( via internet banking ) I discovered that i could not. I contacted the bank about it, via secure message, and they told me that their system '' does not allow an account without a SS number behind it to do outward transfers! Well perhaps they should have been upfront about that when i opened the account as a non-resident who by definitiion then does not have a social security number! So currently my money is permanently stranded in my Capital One Account. When i opened the account i explained that i would be operating the account mainly via internet banking and that i would need to be able to do transfers to external US accounts etc from time to time and was told that it would be no problem at all. It would be quite easy to get around this system obstacle, but so far I have had no help from the bank staff responding to my messages. If their system is really so inflexible ( and archaic ) that it is absolutely dependant on a SS number in order to operate and do the most basic of banking functions ( like transfer money out ) then - solution would be to add a dummy SS number to my account profile to bypass this system anomoly which can only be described as a major system bug! A SS number is simply - way of uniquely identifying an individual and is by no means the only way! In my case my passport number would be a perfectly legitimate and unique way of identifying myself to the system, and there is a myriad of other solutions which could possibly be used as well. All it would require is a willingness to help me as a client in order to overcome a problem created by the bank itself, but unforunately so far no such willingness has been forthcoming.

Capital One customer in
Apr 21, 2015

* Source: CFPB Complaint Database

Capital One response to complaint:
Closed with explanation

Consumer disputes how Capital One handled their complaint

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Contact Capital One

http://www.capitalone.com/
(703) 720-1000
[email protected]
1680 Capital One Dr
McLean VA 22102
Capital One
Capital One

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