CAPITAL ONE BANK Closed my account, except still allowed deposit to post then took my deposit illegally Richmond VA

sir the only correct thing in your speech you stated was that yes, it was charged off, in a very short amount of time.  It was the first time i had ever went negative balance at $20, yes just 20, and i was in contact with the bank regularly informing them that payment was coming but due to my business and the pandemic along with millions others, ive defaulted, by $20.  They last conversation i had with them was 4 days til they charge off and "everything was fine then," they knew a large deposit was coming, so they were sure to leave it depositable except charged off, makes zero since how that works, charge off is done, sent to collections unless payment arragnement is made. And to say a bank doesnt care about how much money you push thru is assanine.  the more money goes thru there system daily helps their revenue by interest. 

I also confirmed with managment not a single phone call nor attempt to notify me it was gettting charged off was made, they apologized for that mishap, and the customer service members i spoke to that told me everytime i called didnt note the account of why i called, or so they say, they lie pretty bad so who knows.  So im glad your so tip top on your finances and life never happen to you, robert.  Dont talk to people like they are irresponsible children when s**t like this happens bc you dont know the situations and big banks do f*ck up, and they do shady s**t, bc of greed and power.  Just bc theyre policies in place dont mean they are always followed, thats just there for liability purposes mostly, in-house buddy system is way stronger!

CapitalOne bank is thieves. they closed my account, charged it off, then 2 days later accepted a deposit and now refuses to release the funds to me,

Your answer is in these two words "Charged Off".

The only reason they would "Charge Off" an account is if you are in default, meaning you have failed to maintain your account in a positive manner.  Capital One(like any other bank) doesn't just Charge Off your account out of the blue. That is the LAST step after months of trying to collect from you, which means you were at least 60 and likely around 90-120+ days in default.

Just because they Charged Off the account doesn't mean you no longer owe the money. Any money that goes into that account can be used to pay down the debt on that account until it is paid off. It was your mistake to allow a loan to be deposited to that account as once it is in the account they can use it to apply to your debt. Oh, and yes, this is in the terms of your account. If there is any money left after the debt is paid, they will return it to you. However, this will take anywhere from 45-90 days to occur.

Oh and the amount you have "pushed" to this account is meaningless. You could have pushed a million dollars into the account. Doesn't mean a thing if you are in default for 1.5 million.