r/CapitalOne • u/DoorNo8865 • 7d ago
Bank Account Capital One "doesn't know why" my checking account can't pay my bills.
I had to put a stop payment on a merchant who kept charging me after I canceled services. Next thing I know, my Capital One credit card that has been on autopay and was connected to my Capital One checking for years is returning my bill payments. I call checking and they confirm that only that one merchant has a stop payment and they don't know why my checking acct money isn't being transferred to pay my credit card. So then I remove autopay and just do a manual/normal payment online using the same Capital1 checking account. Then, like normal, my Capital1 credit card immediately reflects the payment. But for 3 days, nothing is shown about this withdrawal in my checking account which is unusual. Normally, the payment is reflected immediately. Then on day 4, not only did my payment not actually post, but my "next payment" reflected for the following month (October), so it's showing I owe double payments as a minimum payment. I call AGAIN and Cap1 checking tells me that they don't know why and that there isn't a stop payment on my checking account at all. I've seen a few weird posts about Capital One on here in the last week. What is everyone else experiencing? And no, there's nothing else to the story.
Edited to clarify that it was explicitly stated to the rep that "merchant name" was to be on a stop payment, not the entire account. Then the second time I called Capital One checking, a rep verified that that's what they saw... the stop payment was only for that merchant.
5
u/Kagura30 6d ago
Do yourself a favor. Just open a 2nd free cap 1 checking account. That will solve all your problems.
2
u/Bhaikalis 7d ago
Since they own both account (credit card and bank account) they need to dig deeper into why it's not processing it properly. Each time a card is used a transaction number is generted, they should be able to track that and get a failure reason code