Complaint Review: Capitalone360

 I opened a checking account one line with capitalone360 and i had a bank to bank deposit of 3000.00 by a gentleman for some business . i figured it was better and faster then getting a check or cashiers check. it my understanding of this transfer they the person sending this is to rest the transfer at first before intialize a payment. which was done on my acct. also that to do this transfer they ace to speak to someone and it gets approved and then teansfered. with that being said they transfered 3000.00 into my acct. and it was made available the next day in which I went shopping after spending almost 2000.00 my card was declined. when I called they wanted to verify my identy which I was asked a few question and i answered. them they proceeded to ask me who, what, and why I got this transfer. as far as i'm concerned it wasn't any of there businss but I told them . then they said it wasn't the person on the acct. and ask me for there phone no. and I told them it was on my phone that I had to get off and I'd call them right back with it. which I did and it has taken almost 2 weeks for them to cal me back as well as me get a hold of someone.

In the mean time I received a letter telling me they put a hold on my acct. because of my credit history and it had me a number to a place called early warning. I called and they said there was nothing on my credit report to influence this decision of capital one.when I finally got a hold of them they are telling me that this transfer was done fraudetly and will not release my money to me. they said it would. go back to my external acct. as far as I'm concerned I didn't give my acct no to a stranger and how can they ad me without knowing me.this is bull s**t I dont care who's name is on the acct as long as I get paid.they declined my card before they ever spoke to me at all. I was approved for a secured credit card threw capital one as well. so they had no right to decline my card. and if they didn't want me to have a acct. because of my credit report then why give me a debit card. it took a week to get this card they didn't check my credit report be for that. the test of this transfer was done days before. the orignal transfer if it was frsudent they would of known it then.. they told me I would have to sue those people in small claims court which is bull. those people are trying to get out of paying me obvisouy and and capital one is coming between that and has no right to. it impossible for just someone to transfer money and have all there informatin to do that with a bank transfer. and pin no.aa well to get into there acct. it is very unlikely without them notice that.and having to get It approve to be sent to me. and then capital one has to approve it from them. so how can it be done fraudenlly. it seems very impossible and this transfer is suppose to be the safest way to send money..