Capital One refusing to verify IRS refund check - Day 9 of account restriction nightmare

Former bank employee here. This is actually standard procedure for large government checks. The bank has to verify directly with the Treasury to prevent fraud. Usually takes 7-10 business days, but I've seen it take up to 15 days during peak tax season. Just hang tight.

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lmao welcome to the club 🤡 day 23 here with Chase doing the same thing

Have you tried mobile deposit instead? Worked for me after my bank was being difficult with the physical check

this is y I always do direct deposit. never had these issues

call the irs and ask them to help verify with the bank. sometimes they can speed up the process

I went through this exact same thing with Bank of America last year! The key is to get everything in writing - ask them for a written timeline of when the verification will be complete. Also, make sure you have copies of ALL your documents (tax return, ID, etc.) because sometimes they "lose" them in their system. If you're past day 10, you can file a complaint with the CFPB (Consumer Financial Protection Bureau) - that usually gets banks moving faster. Don't give up!

I feel your pain! Had a similar issue with Wells Fargo last year where they held my refund check for 12 days. What finally worked for me was calling their executive customer service line (not the regular customer service) and explaining how this was causing financial hardship. They escalated it to their verification team and got it resolved within 2 business days. Also, document every call you make - date, time, representative name, and what they told you. This paper trail becomes really important if you need to escalate further. Hang in there, you'll get your money!