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Capital One 360 - Restricted account and not receiving my close out check

Capital One 360 - Restricted account and not receiving my close out check
My bank account was negative for four weeks after never having any problems in the past. My employer did not do my direct deposit on time so they closed my account the day before my stimulus check was scheduled to hit. I get its their right that is not my issue. When I finally was able to get my direct deposit I tried to access it and was denied. I then called learned about the restriction and was promised my check with four to six business days because I paid for it to be expedited. Fast forward ten days seven business days and I am without check. I call them they have not even begun to close my account but instead they accept two mote direct deposits now they have ten thousand of my dollars with me unable to access. Im losing my apartment , my credit has disintegrated and I was told I would have to wait another ten business days. Unacceptable. Perhaps they shouldnt freeze so many accounts at once if their closure department is unable to keep up as is what was explained to me. I waited on hold for three hours yesterday before I was hung up on

User's recommendation: Don’t use this bank.

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3 comments
#1976811

So, you didn’t get a paper check in lieu of a direct deposit? If you got a paper check, why didn’t you deposit it?

They have an app you know. Why were you spending money you didn’t have? Listen, you’re full of it. Pro Tip: Your account can only go negative if YOU spend more than you have.

This is on you.

Stop the whining. Of say it “you work for them”

#1976949
@Anonymous

I never said anything about why they closed it. They were within their rights.

My complaint is that they accepted two more direct deposits and they told me they would expedite my account close out check because I paid them to do that. And when the date that it should have arrived occurred I went back into the site to check if they had closed the account and sent the check as promised. Which they hadn’t. I was then told even though I paid them for expediting the process it was going to be another ten biz days.

Perhaps you should take a moment to take a step off of your righteous soapbox and reread.

No where did I have issues with their ability and right to close the account. My issues were with being told one thing abc paying for it to happen and then not getting it and having to wait another ten business days

#1977091
@Anonymous

“ My bank account was negative for four weeks ” LOL. What did you think a bank would do to a serial deadbeat with an account status like this?

Again, you’re full of it. If your account wasn’t negative for a month. It may not have been closed. People like you enjoy whining and using phrases like “soapbox” and so on.

Listen, post in a public message board, expect the public to respond even if the comment is soothing or supports your banal and lame narrative.

Thanks for the warning. If you keep your account negative forever and a day, it will be closed at the worst time.

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ID
#2395830 Review #2395830 is a subjective opinion of poster.
Loss
$9
Preferred solution
Full refund

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

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Update by user Jan 26, 2021

So at the am I received an email with a link to the stripe dashboard. I am receiving instant pay from my payroll company into my bank account.

Every other nurse has had hers deposited and all they could say was in transit. My bank states they see nothing waiting to...

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ID
#2394772 Review #2394772 is a subjective opinion of poster.
Loss
$1799
Preferred solution
just put my money into my account