Consumer complaint received 2023-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2023 I opened a 360 Checking with Capital One Bank. I opened it in person at the Capital One XXXX in XXXX, Louisiana. I funded the account right as I opened it. The woman who I opened the Account with was named XXXX. I passed all the background checks. I had my Valid Photo Drivers License, Passport, and original Social Security Card. XXXX provided me with Forms with my " New Account # and Routing Number '' to send to the 2 companies that would now be making Direct Deposits to my Account. I made clear to the Banker that I would be doing 2 DIRECT DEPOSITS PER MONTH.

They are as Follows : 1. Social Security Full Retirement Check.

2. A Pension Check Paid Monthly This Qualifies me for a Capital One Bonus of {$350.00}. 
Next : I opened a Capital One XXXX Account. I was then PRE-APPROVED for a SAVOR CREDIT CARD by CAPITAL ONE. I now have XXXX Accounts with CAPITAL ONE BANK. I was then shocked by Capital One. The US Post Office sent me 2 envelopes both had been sent by Capital One, I couldn't believe what I was looking at. Both addresses were written in an absolutely discombobulated way. Even the POST OFFICE placed a " Stamp on the Envelope commenting on it. This was my first negative experience with Capital One. They were given my complete correct Mailing address right in the Bank. They clearly can not address an envelope to a Banking Customer that is correct. Next, anytime you contact Capital One by telephone you are connected to a XXXX XXXX center. The 6 or 7 times I spoke to them you could not understand what the person was saying. There English was unintelligible. These calls are taped. They will clearly validate what I am stating as Fact. I have PERFECT CREDIT. This a FACT. I do not have 1 negative mark on any report. 5 Days Ago I could not believe what Capital One did. Without sending me a letter, without contacting me by telephone CAPITAL ONE placed a RESTRICTION ON MY CREDIT CARD. I had just sent them a {$100.00} Payment and with no forewarning I was at XXXX and my Savor Card was declined. 
I am a Certified Paralegal. Capital One has broken the Law. They have violated the rights of this Account Holder. To place a Restriction on a Customer with 3 Accounts Legally you must take the perfunctory steps of proper notification. Capital One violated the law. They just went ahead and performed this extreme step. If Capital One makes 1 move to ruin my Perfect Credit they will face MAJOR LITIGATION!! Here I trusted this Bank and moved my 2 Direct Deposit Checks to this Bank. I want to state as fact that The Savor Card gives an Account Holder a {$200.00} Bonus for spending {$500.00} in 3 months. I was {$250.00} shy of this goal when they restricted this account. How convenient of them. Now they committed FRAUD AGAINST ME. Capital One as a Bank bestows major problems on its Customers. If they place 1 negative mark on my Credit Report I will sue this Bank.

Company response to consumer: Closed with explanation