{"took":108,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":14760,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6667762","_score":12.657069,"_source":{"product":"Checking or savings account","complaint_what_happened":"Direct deposit blocked coming from Socisl Security. I had deposited a check that was declined, caused overdraft. I was notified of account closure date of XX/XX/2023. I notified social security to redirect deposit to another account prior to the closure date, however socisl security couldn '' t change it until XXXX payment. The bank blocked all deposits including direct deposit from social security. I was unable to receive my deposit timely as a result","date_sent_to_company":"2023-03-08T12:33:43.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"46360","tags":"Older American","has_narrative":true,"complaint_id":"6667762","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-03-08T12:19:44.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Direct <em>deposit</em> blocked coming from Socisl <em>Security</em>. I had <em>deposited</em> a check that was declined, caused overdraft. I was notified of account closure date of XX/XX/2023. I notified social <em>security</em> to redirect <em>deposit</em> to another account prior to the closure date, however socisl <em>security</em> couldn '' t change it until XXXX payment. The bank blocked all <em>deposits</em> including direct <em>deposit</em> from social <em>security</em>. I was unable to receive my <em>deposit</em> timely as a result"]},"sort":[12.657069,"6667762"]},{"_index":"complaint-public-v1","_id":"7247347","_score":12.627901,"_source":{"product":"Checking or savings account","complaint_what_happened":"US BANK is unreasonably holding my social security deposit. \nFederal government benefits like social security benefits are protected from withholding. \nAlso, generally government checks like social security checks deposited into a bank account have to be made available by the next business day. \nAnd your response dated XX/XX/2023 to my CFPB complaint # XXXX does not address the key issue of the unreasonable hold to my social security direct deposit completed on XX/XX/2023. \nTo date, US Bank has held my social security benefit direct deposit for at least 9 days. \nThe length of the hold on my security benefit deposit is unreasonable. \nUS Bank did not provide prior notice for the need for a longer hold on the availability of my social security benefit deposit.","date_sent_to_company":"2023-07-13T18:23:32.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92154","tags":"Older American","has_narrative":true,"complaint_id":"7247347","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2023-07-13T17:31:22.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["To date, US Bank has held my social <em>security</em> benefit direct <em>deposit</em> for at least 9 days. \nThe length of the hold on my <em>security</em> benefit <em>deposit</em> is unreasonable. \nUS Bank did not provide prior notice for the need for a longer hold on the availability of my social <em>security</em> benefit <em>deposit</em>."]},"sort":[12.627901,"7247347"]},{"_index":"complaint-public-v1","_id":"9182961","_score":12.533758,"_source":{"product":"Credit card","complaint_what_happened":"Capital One product : XXXX secured credit card. To open account Capital One requires Security Deposit in the US dollars. Account balance will be the same as amount of Security Deposit. Formula Capital One uses to calculate Interest which is Variable 29,99 % Interest = prime rate + margin. In the terms written that in the event of the default creditor will use Security Deposit to cover risk. Security Deposit insured by FDIC. My question is how Capital One uses Security Deposit when calculating Interest for the Secured credit cards?","date_sent_to_company":"2024-06-06T07:02:15.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"152XX","tags":null,"has_narrative":true,"complaint_id":"9182961","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-06-06T06:25:22.000Z","state":"PA","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["To open account Capital One requires <em>Security</em> <em>Deposit</em> in the US dollars. Account balance will be the same as amount of <em>Security</em> <em>Deposit</em>. Formula Capital One uses to calculate Interest which is Variable 29,99 % Interest = prime rate + margin. In the terms written that in the event of the default creditor will use <em>Security</em> <em>Deposit</em> to cover risk. <em>Security</em> <em>Deposit</em> insured by FDIC. My question is how Capital One uses <em>Security</em> <em>Deposit</em> when calculating Interest for the Secured credit cards?"]},"sort":[12.533758,"9182961"]},{"_index":"complaint-public-v1","_id":"11146586","_score":12.364129,"_source":{"product":"Checking or savings account","complaint_what_happened":"Navy federal closed my account in XX/XX/year> My social security retirement deposit was approved by social security in XXXX but mistakenly deposited into navy federal closed account by delay in society security system Deposit was sent to Navy Federal XX/XX/year> Social Security have requested a return of the deposit with a recall but Navy Federal have not complied with the request There has been no response or communication from Navy Federal as of today, XXXX XXXX","date_sent_to_company":"2024-12-13T09:54:56.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"90069","tags":"Servicemember","has_narrative":true,"complaint_id":"11146586","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-12-13T09:39:15.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Navy federal closed my account in XX/XX/year> My social <em>security</em> retirement <em>deposit</em> was approved by social <em>security</em> in XXXX but mistakenly <em>deposited</em> into navy federal closed account by delay in society <em>security</em> system <em>Deposit</em> was sent to Navy Federal XX/XX/year> Social <em>Security</em> have requested a return of the <em>deposit</em> with a recall but Navy Federal have not complied with the request There has been no response or communication from Navy Federal as of today, XXXX XXXX"]},"sort":[12.364129,"11146586"]},{"_index":"complaint-public-v1","_id":"19544545","_score":12.339213,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened a secured credit card account and provided a security deposit of approximately {$500.00}, which was intended to be held as collateral for the credit line on the account. \n\nAfter using the account, I noticed that my balance did not appear to reflect the security deposit that I had provided. Despite giving a {$500.00} deposit to secure the account, I was later informed that I owed an additional amount beyond the deposit. \n\nI requested that the company provide documentation related to this account, including the original application with my signature and records showing how much was provided as the security deposit. I also requested a full account-level report showing how the balance was calculated and how the deposit was applied. \n\nThe company did not provide the requested documentation or any detailed report explaining the account activity or the application of the security deposit. I am disputing the account balance and the companys failure to provide documentation supporting how the deposit was applied.","date_sent_to_company":"2026-02-17T01:41:40.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"52404","tags":null,"has_narrative":true,"complaint_id":"19544545","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2026-02-17T01:34:29.000Z","state":"IA","company_public_response":null,"sub_issue":"Fees charged for closing account"},"highlight":{"complaint_what_happened":["I opened a secured credit card account and provided a <em>security</em> <em>deposit</em> of approximately {$500.00}, which was intended to be held as collateral for the credit line on the account. \n\nAfter using the account, I noticed that my balance did not appear to reflect the <em>security</em> <em>deposit</em> that I had provided. Despite giving a {$500.00} <em>deposit</em> to secure the account, I was later informed that I owed an additional amount beyond the <em>deposit</em>."]},"sort":[12.339213,"19544545"]},{"_index":"complaint-public-v1","_id":"13846317","_score":12.293235,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have my Social Security XXXX benifits direct deposited into cash app account. I am missing a deposit and the social security administration verified the deposit was received but cash app has no record of the deposit it transaction.","date_sent_to_company":"2025-06-02T23:25:32.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"81007","tags":null,"has_narrative":true,"complaint_id":"13846317","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-06-02T23:14:47.000Z","state":"CO","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I have my Social <em>Security</em> XXXX benifits direct <em>deposited</em> into cash app account. I am missing a <em>deposit</em> and the social <em>security</em> administration verified the <em>deposit</em> was received but cash app has no record of the <em>deposit</em> it transaction."]},"sort":[12.293235,"13846317"]},{"_index":"complaint-public-v1","_id":"5814203","_score":12.280989,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2022 XXXX XXXX had sent a letter to me requesting that they needed an original statement of the bank account used to fund the security deposit. \nSince it has been close to 2 years I could not locate that information. \nThe letter indicates if they do not receive an original statement of the bank account used to fund the security deposit account they will then close down my account. \nOn XXXX XXXX. XXXX XXXX closed my account. \nI have a {$2000.00} security deposit. \nCustomer service said it could take over 13 weeks to get my security deposit back. \nThe account is paid in full and I am concerned that I will not get back my security deposit. \nA derogatory mark could land on my credit report","date_sent_to_company":"2022-07-27T07:30:17.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"60462","tags":null,"has_narrative":true,"complaint_id":"5814203","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Synovus Bank","date_received":"2022-07-27T06:46:56.000Z","state":"IL","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Customer service said it could take over 13 weeks to get my <em>security</em> <em>deposit</em> back. \nThe account is paid in full and I am concerned that I will not get back my <em>security</em> <em>deposit</em>. \nA derogatory mark could land on my credit report"]},"sort":[12.280989,"5814203"]},{"_index":"complaint-public-v1","_id":"7084742","_score":12.256993,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I had a Bank of the West Secured Credit Card with a {$1000.00} limit and a {$1000.00} security ( kept in the banks savings account. \n\n1. Back in XXXX I asked that the bank close my account ( at my request ) and apply the security deposit. They failed to do so. While I received a letter stating they closed the account ( letter dated XX/XX/XXXX ) with a balance of {$1000.00} from my voluntary request, they did not apply my security deposit. \n\n2. I have made multiple written requests, phone requests, and even taken to social media asking for help to get my security deposit applied. I have stated repeatedly that once they apply the security deposit and send me a bill for any difference I will pay the difference. They claim to call me back and leave messages, and yet they don't. Although they have hung up on me. When they have spoken to me ( because of my phone call attempts, they hang up, refuse to help - saying they have no ability, refuse to give me to a manager that can do something, or actually promise it will be done and nothing occurs. This has literally been the worst customer service ever. \n\n3. Instead they have charged additional fees/interest and refused to apply the security deposit. As of yesterday morning the representative i spoke to ( that their social media support transferred me to ) stated that if I pay the full balance which is now {$1100.00} ( due to fees and interest added ) that they will then at some point in the future mail me a certified check for the security deposit. But there are no guarantees of when I will get that deposit back. \n\n4. This is not satisfactory, that is my {$1000.00} in that savings account, I don't trust the bank at this point as they have spent months lying about closing the account, stating that in \" two weeks my security deposit will be applied '', and now trying to get me to pay the balance and wait for a refund on my security deposit. \n\nPlease help me to get this account closed and security deposit applied. \n\n*I have attached the letters received and the latest email outlining the events to the Bank of the West Social Media representative. I have also attached the last security deposit statement and the XXXX Credit Card Statement.","date_sent_to_company":"2023-06-07T14:55:25.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"32714","tags":null,"has_narrative":true,"complaint_id":"7084742","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BMO BANK NATIONAL ASSOCIATION","date_received":"2023-06-07T14:24:03.000Z","state":"FL","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["I have also attached the last <em>security</em> <em>deposit</em> statement and the XXXX Credit Card Statement."]},"sort":[12.256993,"7084742"]},{"_index":"complaint-public-v1","_id":"5567182","_score":12.254227,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I opened a XXXX account in XX/XX/2021. They offer a program which is a secured card. \n\nI initially placed a XXXX security deposit and then another XXXX for a total security deposit of XXXX. XXXX ( XXXX ) - issued me a XXXX credit card with a XXXX secured deposit in my XXXX account. \n\nI used the card for several months and then when I closed the account XXXX took XXXX from the security deposit and paid off the balance on the card. The Bank issued me a deposit for XXXX which was the remainder of the security deposit minus balance on the secured card. \n\nA month later XXXX ( XXXX ) started to report the balance as late and with a total due of XXXX. \n\nI have disputed the information XXXX provides to the credit agencies monthly and they correct the data monthly. Each and every following month, XXXX reports late payments and as well collection activity that does not exist. \n\nI am including the documents that show, XXXX. My initial deposit to Secured Account of XXXX XXXX. My second deposit of XXXX to Secured Account. \nXXXX XXXX  Depositing to my account the difference between the balance due and security deposits, which totaled XXXX. \n\nThe credit card has been closed from XX/XX/2021 and there was no balance due. There are no late payments. There is no collections. \n\nPlease find attached.","date_sent_to_company":"2022-05-16T19:01:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"5567182","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-05-16T19:00:58.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I initially placed a XXXX <em>security</em> <em>deposit</em> and then another XXXX for a total <em>security</em> <em>deposit</em> of XXXX. XXXX ( XXXX ) - issued me a XXXX credit card with a XXXX secured <em>deposit</em> in my XXXX account. \n\nI used the card for several months and then when I closed the account XXXX took XXXX from the <em>security</em> <em>deposit</em> and paid off the balance on the card. The Bank issued me a <em>deposit</em> for XXXX which was the remainder of the <em>security</em> <em>deposit</em> minus balance on the secured card."]},"sort":[12.254227,"5567182"]},{"_index":"complaint-public-v1","_id":"6087060","_score":12.229181,"_source":{"product":"Checking or savings account","complaint_what_happened":"I received a promotion in the mail from KeyBank. It states if I open an account by XXXX and make a single direct deposit of XXXX dollars or more in the next 60 days they would give me XXXX dollars. I opened an account online XX/XX/XXXX with XXXX dollars using an on, line transfer from another bank account at XXXX. Today, XX/XX/XXXX I went in and deposited a check to this account for XXXX dollars. I asked the teller if this would qualify for this promotion. He was not sure since it might have said a direct deposit. I asked would this be considered a direct deposit. He was not sure. Concerned, I called Key Bank when I came home about XXXX XX/XX/XXXX. I was informed the check deposit was not considered a direct deposit. Reviewing the promotion, it does say direct deposit. The Keybank representative, XXXX, stated that direct deposit means to Keybank that it is from payroll type of institution such as Social Security, a pension, salary from a job, etc. Nowhere on the promotion does it enumerate the direct deposti means from such an institution and a check deposit by me would not count. I told XXXX, I considered this fraud since I am not in the banking industry and my idea of direct deposit is my going to the bank and directly making a deposit. Furthermore, these terms are impossible to comply with. I logged into my Social Security account and the soonest I effect a change to my direct deposit is my XXXX payment. I usually receive my Social Security payment on the XXXX of the month. To comply with the promotion terms I would have to receive a Social Security Payment by XX/XX/XXXX or XXXX. Clearly this is further fraud. I could not change my Social Security direct deposit institution without first having an open account at Keybank. Social Security will not change a direct deposit institution in less than 60 days. I have changed my Social Security direct deposit 4 business days after opening the Keybank account. Keybank full well knows these time frames of Social Security and have committed fraud by intentionally misleading me and probably many thousands of others. The float the gain will be a large windfall. I suspect they have targeted likely Social Security recipients by simply usiing a mailing list filtered on the age. Please fine Key Bank to the fullest possible extent and consider criminal prosecution of their executives. I have a copy of the promotion. I have screen shot of the Social Security screen. Please contact me if you need any further documents. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX How can your complaint be satisfactorily addressed? \nAn investigation a large fine against Keybank and criminal fraud charges brought against this company.","date_sent_to_company":"2022-10-14T20:30:36.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"98036","tags":"Older American","has_narrative":true,"complaint_id":"6087060","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"KEYCORP","date_received":"2022-10-14T20:17:53.000Z","state":"WA","company_public_response":null,"sub_issue":"Account opened as a result of fraud"},"highlight":{"complaint_what_happened":["I usually receive my Social <em>Security</em> payment on the XXXX of the month. To comply with the promotion terms I would have to receive a Social <em>Security</em> Payment by XX/XX/XXXX or XXXX. Clearly this is further fraud. I could not change my Social <em>Security</em> direct <em>deposit</em> institution without first having an open account at Keybank. Social <em>Security</em> will not change a direct <em>deposit</em> institution in less than 60 days."]},"sort":[12.229181,"6087060"]},{"_index":"complaint-public-v1","_id":"17126955","_score":12.219319,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Please upload the documentation used to verify the balance and the handling of the security deposit. A statement of verification without documentation is not compliant with FCRA 623 or 611. \n\nXXXX collected a {$200.00} secured deposit on XX/XX/year> ( security deposit confirmation email attached ). They are reporting the full charged-off balance to Equifax without subtracting this deposit, which inflates the balance and violates FCRA 623 for accuracy.\n\nI am requesting : 1. Documentation showing how XXXX applied the security deposit, OR 2. Correction/deletion of the tradeline if they can not substantiate the balance.\n\nThis is a secured card the deposit must be applied to the balance.","date_sent_to_company":"2025-11-09T08:20:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19711","tags":null,"has_narrative":true,"complaint_id":"17126955","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-09T08:06:02.000Z","state":"DE","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please upload the documentation used to verify the balance and the handling of the <em>security</em> <em>deposit</em>. A statement of verification without documentation is not compliant with FCRA 623 or 611. \n\nXXXX collected a {$200.00} secured <em>deposit</em> on XX/XX/year> ( <em>security</em> <em>deposit</em> confirmation email attached ). They are reporting the full charged-off balance to Equifax without subtracting this <em>deposit</em>, which inflates the balance and violates FCRA 623 for accuracy.\n\nI am requesting : 1."]},"sort":[12.219319,"17126955"]},{"_index":"complaint-public-v1","_id":"18928013","_score":12.176056,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Capital One - Missing Security Deposit on Former Secured Credit Card To Whom It May Concern, I am submitting this complaint regarding a missing security deposit related to a Capital One Secured Credit Card I opened in XXXX. \n\nAt the time the account was opened, Capital One advertised that the secured credit limit would equal the amount of the security deposit provided. I paid a {$500.00} security deposit to open this account, and my credit limit reflected that amount. \n\nOver the years, I maintained the account in good standing and later opened additional credit cards with other providers. I was recently informed by Capital One that this secured card had been converted to an unsecured card. However, when I attempted to close the account and request the return of my original {$500.00} security deposit, Capital One representatives stated that they are unable to locate this deposit. \n\nI contacted Capital One multiple times on XX/XX/XXXX, at approximately : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX During these calls, I was repeatedly told that representatives could not fully access my account records and that they only see a reference to a {$49.00} security balance, which does not align with the original {$500.00} deposit I paid. I was advised to submit my concern through written correspondence. \n\nI no longer have receipts from XXXX, but I am confident the {$500.00} deposit was paid as required to open the account and establish the original credit limit. There is no reasonable explanation for this deposit to have disappeared without being returned or applied. \n\nI am requesting : XXXX. Documentation showing the receipt of my original {$500.00} security deposit ; XXXX. A full accounting of how that deposit was handled when the account was converted from secured to unsecured ; and XXXX. The return of my {$500.00} security deposit, or written proof that it was previously refunded or applied, if Capital One claims that occurred. \n\nI appreciate the CFPBs assistance in helping resolve this matter and ensuring proper documentation and accountability.","date_sent_to_company":"2026-01-22T17:52:16.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"08873","tags":null,"has_narrative":true,"complaint_id":"18928013","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-01-22T17:43:10.000Z","state":"NJ","company_public_response":null,"sub_issue":"Problem with balance transfer"},"highlight":{"complaint_what_happened":["Subject : Capital One - Missing <em>Security</em> <em>Deposit</em> on Former Secured Credit Card To Whom It May Concern, I am submitting this complaint regarding a missing <em>security</em> <em>deposit</em> related to a Capital One Secured Credit Card I opened in XXXX. \n\nAt the time the account was opened, Capital One advertised that the secured credit limit would equal the amount of the <em>security</em> <em>deposit</em> provided. I paid a {$500.00} <em>security</em> <em>deposit</em> to open this account, and my credit limit reflected that amount."]},"sort":[12.176056,"18928013"]},{"_index":"complaint-public-v1","_id":"3863777","_score":12.173052,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I just filed complaint # XXXX, and the issue is almost identical here. Almost. Ill attach documentation for this account, it was a secured capital one platinum card i opened in XXXX of 2013. I paid a {$250.00} security deposit to open this account. After a few months, I became homeless and i couldnt make payments anymore. I left an outstanding balance on this account, but I already paid my security deposit. So, now that I am able to work now, I looked at my credit report and saw that this account was charged-off, damaging my credit. I remembered that I paid a {$250.00} security deposit when i opened the account, so I disputed the entry on my XXXX  credit report. Capital One responded and they finally ... after YEARS ... applied that {$250.00} security deposit to the open charges on that account and closed the account. Here is the reason for my complaint : A security deposit is held to protect the credit card companies against situations like this. That is what its for. Why .... would you place a charge off on someone's credit report. Capital One already had my money!!! They could have simply closed the account, applied my balance due to the security deposit, or forfeit the security deposit, and we would be done. They took the extra step to damage my credit! Capital One says they will return your security deposit in 60 days, but this is not true!!!!! Do not give them a security deposit, they will try and hold it forever. They held mine for over 4 years!!!!!!! Its not their money! I wa n't those charge offs removed from my credit report. They already had the funds to pay my outstanding balance. Damaging my credit was totally unnecessary!","date_sent_to_company":"2020-09-24T17:51:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"98155","tags":"Servicemember","has_narrative":true,"complaint_id":"3863777","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2020-09-24T17:39:26.000Z","state":"WA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["They could have simply closed the account, applied my balance due to the <em>security</em> <em>deposit</em>, or forfeit the <em>security</em> <em>deposit</em>, and we would be done. They took the extra step to damage my credit! Capital One says they will return your <em>security</em> <em>deposit</em> in 60 days, but this is not true!!!!! Do not give them a <em>security</em> <em>deposit</em>, they will try and hold it forever. They held mine for over 4 years!!!!!!! Its not their money! I wa n't those charge offs removed from my credit report."]},"sort":[12.173052,"3863777"]},{"_index":"complaint-public-v1","_id":"3863800","_score":12.171381,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I just filed complaint # XXXX, and the issue is almost identical here. Almost. Ill attach documentation for this account, it was a secured XXXX XXXX XXXX card i opened in XXXX of 2013. I paid a {$250.00} security deposit to open this account. After a few months, I became homeless and i couldnt make payments anymore. I left an outstanding balance on this account, but I already paid my security deposit. So, now that I am able to work now, I looked at my credit report and saw that this account was charged-off, damaging my credit. I remembered that I paid a {$250.00} security deposit when i opened the account, so I disputed the entry on my experian credit report. XXXX XXXX responded and they finally ... after YEARS ... applied that {$250.00} security deposit to the open charges on that account and closed the account. Here is the reason for my complaint : A security deposit is held to protect the credit card companies against situations like this. That is what its for. Why .... would you place a charge off on someone's credit report. XXXX XXXX already had my money!!! They could have simply closed the account, applied my balance due to the security deposit, or forfeit the security deposit, and we would be done. They took the extra step to damage my credit! XXXX XXXX says they will return your security deposit in 60 days, but this is not true!!!!! Do not give them a security deposit, they will try and hold it forever. They held mine for over 4 years!!!!!!! Its not their money! I wa n't those charge offs removed from my credit report. They already had the funds to pay my outstanding balance. Damaging my credit was totally unnecessary!","date_sent_to_company":"2020-09-24T17:51:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"98155","tags":"Servicemember","has_narrative":true,"complaint_id":"3863800","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-09-24T17:51:50.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["They could have simply closed the account, applied my balance due to the <em>security</em> <em>deposit</em>, or forfeit the <em>security</em> <em>deposit</em>, and we would be done. They took the extra step to damage my credit! XXXX XXXX says they will return your <em>security</em> <em>deposit</em> in 60 days, but this is not true!!!!! Do not give them a <em>security</em> <em>deposit</em>, they will try and hold it forever. They held mine for over 4 years!!!!!!! Its not their money! I wa n't those charge offs removed from my credit report."]},"sort":[12.171381,"3863800"]},{"_index":"complaint-public-v1","_id":"4448724","_score":12.159153,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On or about XX/XX/2021, I applied for a secured Discover Card. I was approved immediately and the {$1000.00} security deposit was ELECTRONICALLY withdrawn from my account on XX/XX/XXXX. After I then obtained the necessary financing from another source, I canceled the account weeks ago and requested immediate return of the security deposit. Discover has been promising to return the security deposit and even is supposed to send me {$75.00} in compensation for the poor service. While I will accept the {$75.00}, what I really want is my security deposit back NOW! I was told on or about XX/XX/XXXX that the money was probably already in my account. It was not there on XX/XX/XXXX, so I contacted Discover and was told that it would be MAILED ( NOT DEPOSITED ELECTRONICALLY ). The delays in refunding my deposit have been unreasonable and unacceptable. I should have had my deposit back with an hour or day of my canceling the account. Discover has abused me, an elderly man who will be XXXX in two years. This treatment is unacceptable for anyone, let alone the elderly. Discover has had my {$1000.00} deposit since XX/XX/XXXX. They were notified of the cancellation of the Discover Card card before it even arrived. PLEASE INTERVENE and get return of the {$1000.00} security deposit ELECTRONICALLY into my account IMMEDIATELY!","date_sent_to_company":"2021-06-10T16:07:45.000Z","issue":"Problem getting a card or closing an account","sub_product":"General-purpose prepaid card","zip_code":"48073","tags":null,"has_narrative":true,"complaint_id":"4448724","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2021-06-10T15:21:57.000Z","state":"MI","company_public_response":null,"sub_issue":"Trouble closing card"},"highlight":{"complaint_what_happened":["I was approved immediately and the {$1000.00} <em>security</em> <em>deposit</em> was ELECTRONICALLY withdrawn from my account on XX/XX/XXXX. After I then obtained the necessary financing from another source, I canceled the account weeks ago and requested immediate return of the <em>security</em> <em>deposit</em>. Discover has been promising to return the <em>security</em> <em>deposit</em> and even is supposed to send me {$75.00} in compensation for the poor service."]},"sort":[12.159153,"4448724"]},{"_index":"complaint-public-v1","_id":"5685431","_score":12.129772,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I closed a US bank Cash+ Visa secured card on XX/XX/2022. I was told that I should get back my security deposit in the amount of {$1000.00} within 30days. Then I received a account closure confirmation letter from US Bank, showing the account would be fully closed on XX/XX/2022 and the security deposit will be issued. \nAlso, I called again to US Bank to make sure this secured card is now fully closed and the security deposit check should be issued and delivered soon. \n\nHowever, as of today XX/XX/2022, I do still see negative balance on my US Bank secured card account, because I had return change deposited back to that card and the security deposit check has not been issued yet.\n\nI dont understand why it should take so long EVEN AFTER it passed more than one billing cycle! Please give my security deposit back.","date_sent_to_company":"2022-06-18T14:56:37.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"60616","tags":null,"has_narrative":true,"complaint_id":"5685431","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2022-06-18T14:38:43.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["I was told that I should get back my <em>security</em> <em>deposit</em> in the amount of {$1000.00} within 30days. Then I received a account closure confirmation letter from US Bank, showing the account would be fully closed on XX/XX/2022 and the <em>security</em> <em>deposit</em> will be issued. \nAlso, I called again to US Bank to make sure this secured card is now fully closed and the <em>security</em> <em>deposit</em> check should be issued and delivered soon."]},"sort":[12.129772,"5685431"]},{"_index":"complaint-public-v1","_id":"8950748","_score":12.111788,"_source":{"product":"Checking or savings account","complaint_what_happened":"Truist bank offered me a {$300.00} bonus for opening in account and having 2 deposits totally {$1000.00}. \nWithin 90 days, social security took 75 days to make the first deposit. \nSocial Security made a test deposit 30 days before that. Truist says that I do not qualify for the bonus. I believe this is false advertising and knowing that it takes At least seventy five days for the first deposit in social security which means it's impossible for me to have two automatic deposits within ninety days which is what their promo was for.","date_sent_to_company":"2024-05-07T23:06:55.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"421XX","tags":"Older American","has_narrative":true,"complaint_id":"8950748","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2024-05-07T22:55:18.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Truist bank offered me a {$300.00} bonus for opening in account and having 2 <em>deposits</em> totally {$1000.00}. \nWithin 90 days, social <em>security</em> took 75 days to make the first <em>deposit</em>. \nSocial <em>Security</em> made a test <em>deposit</em> 30 days before that. Truist says that I do not qualify for the bonus."]},"sort":[12.111788,"8950748"]},{"_index":"complaint-public-v1","_id":"11555437","_score":12.086607,"_source":{"product":"Checking or savings account","complaint_what_happened":"I get XXXX XXXX XXXX payments monthly from XXXX they sent my monthly payment for XXXX on XX/XX/XXXX because of the XXXX XXXX  holiday it was sent early but i never got it so on XX/XX/XXXX and i called the bank and the social security office but was told by social security that i have to contact bank because the funds were sent to them but the bank says they haven't gotten the deposit so i did a conference call with social security and the bank social security gave the bank a trace number and the agent found the deposit and told me to give it 4 hours and i should see my deposit in my account this was XX/XX/XXXX i kept checking my account and nothing but the bank sent me a email requesting the trace number amount of deposit and deposit date and proof of the deposit and deposit date so i sent them all of this info on the XXXX and again on the XXXX but still nothing so i called social security back yesterday and was told they cant do anything unless the deposit comes back to them so i called the bank again and spoke with an agent to get the status and the agent didn't have any information about my missing deposit I'm very frustrated because i am now homeless i was evicted because i was {$200.00} short on my rent that's why i so desperately needed my deposit please help me","date_sent_to_company":"2025-01-15T15:20:57.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"712XX","tags":null,"has_narrative":true,"complaint_id":"11555437","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-01-15T14:39:19.000Z","state":"LA","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I get XXXX XXXX XXXX payments monthly from XXXX they sent my monthly payment for XXXX on XX/XX/XXXX because of the XXXX XXXX  holiday it was sent early but i never got it so on XX/XX/XXXX and i called the bank and the social <em>security</em> office but was told by social <em>security</em> that i have to contact bank because the funds were sent to them but the bank says they haven't gotten the <em>deposit</em> so i did a conference call with social <em>security</em> and the bank social <em>security</em> gave the bank a trace number and the"]},"sort":[12.086607,"11555437"]},{"_index":"complaint-public-v1","_id":"7837432","_score":12.065519,"_source":{"product":"Credit card","complaint_what_happened":"I had opened a secured credit card account with Citi Bank last year by depositing {$1000.00} USD as a security deposit. This Credit card was converted to an unsecured credit card ( Regular credit card ) in XX/XX/2023 this year. After conversion, Bank was supposed to refund me my Security Deposit account through a check but even after multiple requests the check was never delivered to me. I even asked them to do a direct deposit in my checking account or refund the security deposit by posting a {$1000.00} credit on my credit card but they are not doing that. I have called them over 20 times and have been complaining to them on XXXX as well. Everytime they say that we will mail you the check but nothing happens. Please help resolve this matter with Citi and help me get my Security deposit back.","date_sent_to_company":"2023-11-12T00:15:50.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"75024","tags":null,"has_narrative":true,"complaint_id":"7837432","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-11-11T23:49:50.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I had opened a secured credit card account with Citi Bank last year by <em>depositing</em> {$1000.00} USD as a <em>security</em> <em>deposit</em>. This Credit card was converted to an unsecured credit card ( Regular credit card ) in XX/XX/2023 this year. After conversion, Bank was supposed to refund me my <em>Security</em> <em>Deposit</em> account through a check but even after multiple requests the check was never delivered to me."]},"sort":[12.065519,"7837432"]},{"_index":"complaint-public-v1","_id":"13109556","_score":12.04397,"_source":{"product":"Debt collection","complaint_what_happened":"I reviewed my credit report on XX/XX/year> and seen that IQ Data International is reporting an alleged debt of {$2100.00} from XXXX XXXX XXXXXXXX that I do not owe. Upon contacting IQ Data International about this debt, XXXX who is the assigned representative for the account, was very nasty, rude, and did not provide me with any information I asked for along with hanging up on me twice. I never received my security deposit from XXXX XXXX XXXX when I moved out which wouldve covered this alleged balance. I was told that in order for me to get my security deposit I need to pay the alleged balance. She has not answered why I would need to pay {$2100.00} that XXXX XXXX XXXX already has possession that I paid in security deposit on my move in date. The security deposit I paid is in the amount of {$2700.00}. Which means I was to receive {$540.00} back for the deposit. I have the documents stating I paid the security deposit will attach it below.","date_sent_to_company":"2025-04-22T21:25:57.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"279XX","tags":null,"has_narrative":true,"complaint_id":"13109556","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"T.S. Holdings","date_received":"2025-04-22T20:43:10.000Z","state":"NC","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I have the documents stating I paid the <em>security</em> <em>deposit</em> will attach it below."]},"sort":[12.04397,"13109556"]},{"_index":"complaint-public-v1","_id":"6563183","_score":12.039349,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Fl, XXXX Security Deposit Refund Request ( Third Letter ) I am writing this letter pursuant to Section XXXX, Florida Statute ( XXXX ), requesting the return of my Security deposit, which is {$400.00}, to refund my security deposit and/or provide an itemized statement listing the amounts that XXXX XXXX XXXXXXXX has withheld. \nAs of XX/XX/XXXX, I have not received my security deposit or an itemized statement. XXXX in XXXX has illegally held my deposit for 6 months, so I can proceed with a small claims action to get my deposit back. \n\nWells Fargo ruled the claim inadmissible, because the company told them that they were application expenses, when we attached the certificate indicating that it was for a deposit and to date the company does not want to return the money for an apartment that we never received. It was assigned and we never lived","date_sent_to_company":"2023-02-12T16:53:57.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"34238","tags":null,"has_narrative":true,"complaint_id":"6563183","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-02-12T16:40:41.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Fl, XXXX <em>Security</em> <em>Deposit</em> Refund Request ( Third Letter ) I am writing this letter pursuant to Section XXXX, Florida Statute ( XXXX ), requesting the return of my <em>Security</em> <em>deposit</em>, which is {$400.00}, to refund my <em>security</em> <em>deposit</em> and/or provide an itemized statement listing the amounts that XXXX XXXX XXXXXXXX has withheld. \nAs of XX/XX/XXXX, I have not received my <em>security</em> <em>deposit</em> or an itemized statement."]},"sort":[12.039349,"6563183"]},{"_index":"complaint-public-v1","_id":"6536670","_score":12.039335,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"So initially I was sent a text message from a place who claimed to be capital one attempting to find a security deposit on the capital one secured credit card I had applied for. I funded the security deposit or what I had thought was a security deposit of {$200.00} to this apparent credit card with the word sky in it ... Like XXXX  or something along those lines. I was told as soon as I sent the deposit I would receive the card. Have not received it yet.","date_sent_to_company":"2023-02-06T20:06:33.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"98002","tags":null,"has_narrative":true,"complaint_id":"6536670","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-02-06T19:56:48.000Z","state":"WA","company_public_response":null,"sub_issue":"Delay in processing application"},"highlight":{"complaint_what_happened":["So initially I was sent a text message from a place who claimed to be capital one attempting to find a <em>security</em> <em>deposit</em> on the capital one secured credit card I had applied for. I funded the <em>security</em> <em>deposit</em> or what I had thought was a <em>security</em> <em>deposit</em> of {$200.00} to this apparent credit card with the word sky in it ... Like XXXX  or something along those lines. I was told as soon as I sent the <em>deposit</em> I would receive the card. Have not received it yet."]},"sort":[12.039335,"6536670"]},{"_index":"complaint-public-v1","_id":"15680653","_score":12.022087,"_source":{"product":"Checking or savings account","complaint_what_happened":"Merchant : The XXXX XXXX XXXX - : Bank of America the XXXX XXXX debited my bank card and releases the funds from my bank card there after the bank did not release it on thre part .attached is a copy of transaction of the security deposits from the merchant.nothing from bank of america.I am requesting that these transactions be looked at. there is no viviable transaction with the payment of the stay and the security deposit for the hotel stay. included is thetransaction from the XXXX XXXX  XXXX, please understand I have done everything I can to have someone show me step by step each transaction with my bank account and debit cards, every transaction when it was debited till when my balance increases and shows the funds were released to my accountA debit charge for the Hotel Stay and the Secuity Deposit. the problem is those 4 security Deposits have not been deposited in my checking account.I make sure when I check out that they releae the Security Deposit, and everything is good before leaving. and I am assured from the XXXX XXXX that it was released. \nWhen explaining to my bank that I dont see the transaction There is no increase in my checking to sow it was refunded back.but thre always is a decrease when its debited or a hold, it always shows that $ XXXX processing like all transactions, I go the merchant released the security deposit on there end, there respond back to me is and they get defensive, and avoid finding the transaction, I say the bank has to release it to my checking. its to the point that they tell me it does not show and no longer a tranaction. I filed a claim for XX/XX/XXXX and XX/XX/XXXX I have a screen shot of the security deposit for those two dates of {$100.00} each and I spoke with an employee and she gave me a print out of the {$100.00} security deposit release.and the day I check out I confirm it.I know XXXX XXXX released the deposit then. it will show Proccessing of the {$100.00} amount. When my card is being swipwed in any way for the deposit it shows, my balance decreases each time but does not show that my bank account was refunded. the deposit doesnt show anywhere on my end.So I have been fighting with Bank of America for a while, when I told them about this they filed a claim.not for the security deposit for my stay for the room.For {$200.00}. So now they filed this incorrectly. \nThere are 4 security deposits that I have not recieve back into my account and the transaction does not show of {$100.00}. My bank has every transaction. I demanded to see any and all tranactions, all activity that involves my bank card. \nI wanted to briefly and explain and if you can send me the Security Deposits transaction and that it was released on the checkout day.again I am asking if you can respond to them and prove to my bank that {$10000.00} deposit hold/transaction/release for these certain dates and find out where the secuirt deposits went if they were refunded, when, what day, what time. My balances would of increased or decressed before or after the transactions.and tell them the XXXX was filed incorrectly.I am honest, I trust XXXX XXXX, and hopefully the same from them.","date_sent_to_company":"2025-09-02T03:21:49.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"91767","tags":null,"has_narrative":true,"complaint_id":"15680653","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-09-02T02:50:33.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I filed a claim for XX/XX/XXXX and XX/XX/XXXX I have a screen shot of the <em>security</em> <em>deposit</em> for those two dates of {$100.00} each and I spoke with an employee and she gave me a print out of the {$100.00} <em>security</em> <em>deposit</em> release.and the day I check out I confirm it.I know XXXX XXXX released the <em>deposit</em> then. it will show Proccessing of the {$100.00} amount."]},"sort":[12.022087,"15680653"]},{"_index":"complaint-public-v1","_id":"7240535","_score":12.004263,"_source":{"product":"Checking or savings account","complaint_what_happened":"My father, XXXX XXXX died on XX/XX/2023. He has a deposit account at JP Morgan Chase, and his Social Security benefits were deposited into his account at JP Morgan Chase. I am the beneficiary on his deposit accounts at JP Morgan Chase. Upon his death, and his Social Security direct deposit in XXXX for his XX/XX/2023 benefits, I went to the local JP Morgan Chase branch, with a copy of his death certificate to withdraw the remaining funds and close the account. I was informed that it is the policy of Chase to HOLD THE FUNDS for ( 6 ) Months. Then I was informed that I needed to get a form from Social Security proving the funds deposited were his. However, Social Security does not deposit unless you are an owner of the account. Social security stated that there is no such form. I informed the manager of this, and she stated that it actually is a form from JP Morgan provides, but REFUSED to provide it for me. There is NO reason that these funds should be held. I am the beneficiary, I provided his death certificate, and these funds should be released to me at once.","date_sent_to_company":"2023-07-13T01:21:03.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"48603","tags":null,"has_narrative":true,"complaint_id":"7240535","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-07-13T01:18:21.000Z","state":"MI","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["He has a <em>deposit</em> account at JP Morgan Chase, and his Social <em>Security</em> benefits were <em>deposited</em> into his account at JP Morgan Chase. I am the beneficiary on his <em>deposit</em> accounts at JP Morgan Chase. Upon his death, and his Social <em>Security</em> direct <em>deposit</em> in XXXX for his XX/XX/2023 benefits, I went to the local JP Morgan Chase branch, with a copy of his death certificate to withdraw the remaining funds and close the account."]},"sort":[12.004263,"7240535"]},{"_index":"complaint-public-v1","_id":"3071377","_score":11.996846,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I received the response from the credit card company and it was unacceptable. Just because you sold the account doesn't mean it can not be fixed. It can be recalled because the debt was a mistake. Just saying that it is out of our hands is unacceptable because I can prove with your own Customer Agreement that with the security deposit being collateral for the account then i dont owe anything and you need to change collateral to partial collateral or factor in late fees and interest for an average secured credit card account when collecting a security deposit. In the Capital One Customer Agreement under Security Agreement first paragraph : \" You must provide a security deposit in U.S. dollars from a U.S. deposit account ( the \" Funds '' ) to secure the obligations to us that you incur in connection with your Account ( \" Obligations '' ). So the deposit is to ensure you keep to the customer agreement. [ Customer Agreement = Obligations ] All fees and interest fall under this statement being in connection with your account [ so if the obligations describes the whole agreement \" Obligations '' = credit limit + interest + fees which is your \" Balance ''. In paragraph 4 it further describes the security deposit as being Collateral by stating \" You grant to us, as of the date you deliver Funds to us, [ Funds being the security deposit ] a security interest in the Funds, any additions to the Funds, any proceeds of the Funds and any interest on any of these ( collectively the \" Collateral '' ) [ so they are stating that Funds + addition to Funds + interest on Funds + proceeds of the Funds = Collateral so lets back up, if Security Deposit = Funds and All Funds = Collateral then Security Deposit = Collateral ] to secure your performance of the Obligations. '' Basically the security deposit is collateral for the \" Obligations. '' So the security deposit covers everything in the agreement. \n\nCollateral is defined collateral /kladrl, klatrl/ noun noun : collateral ; plural noun : collaterals 1. something pledged as security for repayment of a loan, to be forfeited in the event of a default. \nsynonyms : security, surety, guarantee, guaranty, insurance, indemnity, indemnification ; backing \" she put up her house as collateral for the loan '' This is the definition when XXXX searched. You can go to XXXX and search \" Collateral '' to find this definition.\n\n[ to help understand i would define collateral as being different but equal to so if im loaned XXXX dollars and give a watch as collateral then the watch = {$20.00} in the deal. Doesnt matter if the watch is worth {$50.00} its still a full payment for the {$20.00}, same goes if the watch is only worth {$10.00}, its still full payment for the {$20.00} not watch + {$10.00} when you go to collect. \n\nSo in that definition they use the word loan. Loan in our case is the \" Obligations '' [ which obligations would be everything in the agreement you agreed to which includes interest and fines which is the \" Balance '' ] No where does it say that the security deposit is partial collateral for the loan or \" Balance ''. The way the dictionary defined it was house = loan, so the house covers the loan or in our situation \" Obligations '' which is all terms in the agreement all formed into a \" Balance '' So all related together a Loan = Obligations and Obligations = Balance so house = balance or in our situation security deposit = balance. What your doing is saying the house is only partial collateral of the loan or \" Balance '' and now you want the house + car as payment when the house was already agreed upon as collateral for the loan aka \" Obligations '' The reason there was this misunderstanding was because i lost my job and my balance was under my credit limit and i could not pay anymore but i did not close the account because i read that the security deposit is collateral meaning i didnt have to pay anything cause it was covered by the security deposit and what you would do is just take my security deposit and it would be done the account would be closed and all even. Instead i had to find out from my credit report that you tacked a bunch of fees and then closed the account. \n\nThis is why i had to define what collateral means in our situation because if i paid a security deposit and a security deposit is collateral then you would have just closed the account and it wouldnt matter if you added any fees to the balance because it would be covered by the security deposit with the word collateral being used. Remember even if different it is still equal no matter if it more or less. You must know what collateral means if using it in your agreement. You can not use collateral because there is no such thing as partial collateral. When something is collateral it equals whatever the loan is. In this case the loan would be described as the Obligations so you cant say that everything is not satisfied when using the word collateral because collateral means one thing equals another not one thing equals some of the other. When i read that the security deposit was collateral i understood that it would cover the obligations so you cant say the security deposit is collateral and not have it satisfy all the obligations. you would have to remove the word collateral and use something else to describe the security deposit. THERE CANT BE ANY PART OF THE OBLIGATIONS NOT SATISFIED IF YOU USE THE WORD COLLATERAL so that sentence does not make sense in the agreement. Im talking about the sentence that says \" You are responsible for the repayment of any Obligation that is not satisfied by the application of the Collateral. '' YOU CANT APPLY A COLLATERAL AND NOT HAVE EVERYTHING SATISFIED. 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