@Bdh1975 Restricted accounts are different in banking. For example a consumer has a savings and a checking account with a bank or credit union. The consumer gets an alert about a transfer of funds that the consumer did not make. The consumer calls the telephone banking number and talks to an agent. The telephone banker can put a restriction on the accounts that will prevent money from leaving the account but does not block money from coming into the accounts. The customer will need to go into the bank to resolve the issue. In this case the restriction depending on investigation what happens to those accounts. Sometimes the accounts are closed and new accounts are opened.The variable is the reason and the cause of the restriction.
Closed accounts are quite different. In my experience I have called to close a credit card. one of the last steps in that process is the agent will ask If I close the account the account cannot be reopened. Do you want me to proceed in closing the account? In your case it is going to very tough if not impossible to have Cap One reopen those accounts in my opinion.
Just a couple questions in relation to your search for a new credit union. In your search for a new credit union or bank how important is it to have a branch to go into? For me I am a member of 5 credit unions none of them are in the state where I live. For others it is very important to have a local branch to go to and for very valid reasons. I could offer suggestions if you would be interested.
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