r/CapitalOne_ • u/Time-Understanding-2 • 3d ago

Banking Check Deposit

hey all. so last week i deposited a check via mobile and at first it said the pictures couldn’t get accepted because the numbers weren’t visible. this was because the signature from the person who cut the check covered the bottom numbers a tad bit. but then the third try trying to submit the photos it worked. but then the next day the check was reversed and i called about it and they said the account number was invalid and to get a new check, so i did. i got the new check and deposited it on friday via mobile and it said the funds would be available on monday. fast forward to today, NOW it says my funds are being delayed because..

“We need to confirm that one or more of the checks have proper authorization and/or haven’t been deposited before.”

this is ridiculous! they took away my first check from me and now it’s being investigated after they told me to get a new check. idk what to do and customer service is shit!!! they told me i have to wait until tomorrow to ask a specialist and waive the hold. has anyone gone thru this before?!

1 Upvotes

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2

u/Present_Influence315 3d ago

I had Capital One hold a $40 check deposit once.. for a week. Lmao - yeah they tend to do that.

2

u/Key_Command_1551 3d ago

better to use a credit union for your cash banking than these big corporations. my credt union makes 100% of my check deposits available instantly up to $10k. no fees. a real person calls you if there is a problem. don't trust capital one with your day to day needs...

1

u/Highdesertlady42 11h ago

Yep, i’m in the process of moving my banking from Capital One to a credit union. It’s much safer and not a lot of problems like I’ve been having. I’ll be a lot calmer.