Capital One Bank Account Or Service Complaint

Capital One Bank account or service department,

Checking account Deposits and withdrawals New York

Hi, I opened a checking & savings account at " Spark Business Bank Account online '' ( a new service from Capital One Bank, it 's a business account that can be opened online, but the downside is you can not deposit cash or withdraw cash from this account, you can only withdraw cash from ATM - for my newly formed corporation " - - - - - '' and I began using the account and everything was good. One day I log in to my account, I wanted to transfer funds from my checking account to the savings account, because even though at the time I opened the account I opened a checking and saving, they only allowed - - checks to the checking account, so after it posts I transfer it to the savings account to accrue interest. So back to three weeks ago I logged into to transfer money from my checking to saving, and it came up a error message that I need to call in. At first the representative asked me - questions to make sure I 'm not using someone else 's identity, and even though they knew I was n't and I was


your account since the $10000.00 check you deposited was not good '' First I asked for an explanation what not good means, and I was not given -, all she said is " I also does n't know but this is what I see in the notes, and there 's nothing more I can do for you!! ". So I 'm basically now in a position where Capital One Bank has close to $20000.00 of my money, and I 'm not being given a reason why, and they tell me they do n't have an answer for me what 's to be done next. The next day I call again, and I guess a representative with a little more feeling for another Human Being felt the pain I 'm going through, and she told me the reason is ( from what she can see in the notes ) is that Capital One has a feeling the - check was either stolen or will be returned. I instantly called the company that issued me the check and explained everything I 'm going through, and unlike Capital One Bank that seek to make your life miserable, provided me with a copy of the check that it was cleared, along with a copy from his bank statements showing that the check was out. And I myself saw in back on the check that Capital One accepted the check and they have the funds. I instantly emailed it to Capital One, but as expected no response. So I called again for the next week every day several time, every time I was told I 'm being transferred to the fraud department, and after waiting 20 minutes I was told " OH SORRY THEY TRANSFERRED YOU TO THE WRONG FRAUD DEPARTMENT '' and I was further transferred to a voice mail, I left - of messages begging for a call back and offered everything in the world. I asked specifically - times if I can go into a Branch, and not even - phone call ws returned!!!! Bottom line, I opened an account, once I had close to $20000.00 Capital One decided " now is a good time to hold the funds, so we might pass the stress test '' and I was accused of not being - -, I was accused of depositing a stolen check, I was not given the opportunity to prove myself, and not even to prove myself in persona. I therefore ask CFPB to help me with this, so I should n't have to spend way ore on a lawyer to take Criminal Action against them, because if I do n't do it, then there 'll be thousands of people with money stuck in these accounts. Thanks --