I opened a Capital One account as the SSA-appointed Representative Payee for my elderly mother. They accepted two months of her Social Security benefits, then suddenly froze the account without any notice.I went to a branch in person talked to the supervisor Catherine with my mother, her passport, and official Social Security documentation confirming my legal status as her payee. Capital One refused to accept the documents and told us it would take “a very long time” to even look into it.Meanwhile, my mother—who relies entirely on these funds to survive—has been left without money for basic living expenses. This is not only inhumane but potentially illegal, as Social Security funds are federally protected.I’m filing complaints with the OCC and CFPB and social security administration. Avoid Capital One if you care about accountability, especially when it comes to caring for vulnerable loved ones.
