Capital One Bank Account Or Service Complaint

Capital One Bank account or service department,

Checking account Account opening, closing, or management Maryland

I opened Ckg & Svgs Accts with Cap One Bank this yr. I got text/EM notifs about my trans.In -/-/- I got an EM telling me to read a msg.I logged into the full site ; msgs are not avail on mobl site, a bug? The msg told me a - trans had caused my acct to OD & if it cont 'd my Acct could be closed.I checked my Bank stmt & that trans was NOT there.I set up a backup card in my PP ACCT as my OD protection so it would n't happen again.It seemed to be working.I got purch, -, & Dep notifs from the Bank, & notifs from - when it used my backup card.I went into my Bank acct daily & made sure I had money to cover " pending '' trans & watched for OD or declined trans.There were NONE nor did I get any more " go read msgs. " In -/-/-, I made a $40.00 dep to pay for a $22.00 - purch.On -/-/- I noticed that my Bal was still $40.00 and the $22.00 was n't -.I checked the mobl app and now I had a msg at login that


me msgs! I told him the only msg I got was back in - & I 'd been watching my acct closely since then.I said I 'd seen NO OD 's on my stmts nor gotten notices.He said they DO N'T show OD trans on stmts! I went through my EM 's, even my Spam.The ONLY EM I found was the one -/-/-.He told me my acct would be closed on -/-/-.I asked him to move my $40.00 to Svgs.He said not until the acct was closed ; it would be held in case anything came in that would need paying! I told him my - Retrmnt Chk ( almost $3500.00 ) was auto-deposited in that chkg acct the - of every mo! He said they would reject the Chk & send it back! I told him it would cause me severe financial problems! I would n't be able to pay my mortgage or any bills! He said to call the issuer ; tell them to stop it.He was rude. I contacted - & was told it was too late to stop it.They said I was prob looking at a delay of 2-3 weeks! I contacted all my creditors & informed them I 'd be paying my bills 2-3 wks late & I 'd have to provide new Bank info to them.And get this-when I checked my EM that day AFTER talking to the Bank Rep, NOW there WAS an EM telling me to check my Bank msgs.On -/-/-, I checked to see if my $40.00 had been transf to my Svgs after closing my acct ( -/-/- ) .BUT it was still in Ckg! I called the Bank.They told me my acct would be closed on -/-/-! That 's not what their msg or Rep said! I was told -/-/-! They changed the closing date and did n't notify me! I asked her-If it wo n't be closed until -/-/-, will my paycheck be deposited since it will come in before -/-/-? She said yes & they should move it to my Svgs Acct like the $40.00 as the request stated on file.She said I could then WD it from Svgs or transfer it to my PP acct.She must have verified my paycheck with a Supervisor because she next apologized, saying that my paycheck WOULD be rejected & ret 'd even though it would come in before -/-/-. I asked why & she said-because they were not going to process ANY trans in or out. I asked what they were holding my $40.00 for - did n't - then told me she agreed with me about everything and was truly sorry.She said she had it happen to her and had handled many unhappy customers under these circumstances.SO-1 ) Why is n't this Bank required to post ALL trans, includ neg or OD info on their mobl and full site? 2 ) Why are WE penalized if a merchant TRIES to process a trans that the Bank did n't even pay when we made backup arrangements? 3 ) If we 're notified verbally & in writing of an acct closing date, HOW can they CHANGE the closing date & not notify us? 4 ) If their OWN written rules specify paying any " pending '' trans up until the closing date BEFORE closing the acct, WHY are they deciding WHAT to pay or reject before the closing date? Like my paycheck or a $12.00 trans ( both came in -/-/- )? An