<prompt> Human: Im writing to warn you about Capital One 360. I also posted this warning in rmortgages. The short of it is that they lost our cash to close by wiring our money to the wrong bank.My husband and I had the money that wed saved for a down payment in a Capital One 360 account. As our closing date approached, we were sure to do everything correctly. I even called Capital One well in advance over 10 days to tell them that we would be transferring cash to close.The day of the closing, Capital One wired our down payment of almost 20,000 to the entirely wrong bank and they didnt even figure out what they had done incorrectly until I pieced it together.Even though they admitted liability in writing! they refused to cover the cash to close. If I hadnt been able to take an emergency loan from my parents, we would have lost the house.CapitalOne didnt even return the funds to us until I sent them a demand letter after Id spent several hours researching the relevant laws.To make up for what they did, they offered to send a housewarming gift. I still get sick to my stomach when I think about Capital One.Stay far, far away. They acted with gross negligence and treated me and my husband like garbage.Edit: Just to clarify: 1 They didnt just key a digit or two incorrectly. They switched our wire transfer instructions with those of another customer. Our money was sent to a valid but incorrect account.2 There was never an option within our account for us to key in the information. I called to give instructions, and then they insisted on written instructions on our attorneys letterhead which he sent.3 They said that they destroyed the source documents shortly after they received them. This only compounded the problem.4 I understand that mistakes happen, but the way that Capital One chose to treat us following their mistake is worth a warning.Assistant: Just curious: was there a reason why you couldnt transfer it to your primary bank? I have a down payment fund with them and I would be livid if I had the same problem. Human: Im sure I could have, but I didnt want to move money any more than necessary just prior to closing. I will definitely only use cashiers checks in the future...  <response>: Some states lookin at you, Indiana do not allow cashiers checks in excess of 9,999.99 at closing. A wire is required. 