Consumer complaint received 2021-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On approximately XX/XX/XXXX, I received my latest billing statement for my Capital One XXXX card. On XX/XX/XXXX, I logged into my online Capital One account to attempt to pay my pill and could not access the account. Instead, there was a statement that my card had been " permanently closed '' and " charged off. '' I have been a customer of the bank for many years. I have never missed a payment. I have never made a payment late. I have always paid my bill in full each month. I telephoned the bank on XX/XX/XXXX to determine what happened and how it would be fixed. The bank was unable to tell me what happened, why it happened, what steps were being taken to correct it, or what steps were being taken to prevent the issue from happening again. On that date, I was told that I needed to file a dispute with the bank and the bank had 30 days to respond. 
I have never met any of the credit card agreement 's justifications for the account to be in default. Those reasons are : ( 1 ) you do not make any payment when it is due - ( I have never missed a payment or made a late payment. I have always paid the bill in full every month ) ; ( 2 ) any payment you make is rejected, not paid or can not be processed - ( I have never made a payment that was rejected ) ; ( 3 ) you file or become the subject of a bankruptcy or insolvency proceeding ( I have never filed for bankruptcy ) ; ( 4 ) you are unable or unwilling to repay your obligations, including upon death or legally declared incapacity ( I have never been unable or unwilling to repay my obligations ) ; ( 5 ) we determine that you made a false, incomplete or misleading statement to us, or you otherwise tried to defraud us - ( I have never made a false, incomplete, or misleading statement. ) ; ( 6 ) you do not comply with any term of this Agreement or any other agreement with us ( I have never failed to comply with any terms of the agreement ) ; or ( 7 ) you permanently reside outside the United States ( I reside permanently within the United States of America ).

The credit card agreement also states that Capital One " may close or suspend your Account at any time and for any reason permitted by law, even if you are not in default. '' I contend that Capital One had no reason permitted by law to close my account. 
As of today XXXX XX/XX/XXXX ), my account is still closed and the bank is still unable to tell me what happened, how it's being fixed, and when it will be fixed. To date, I have spoken with the following bank employees on the following dates : XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX Wynta XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ;

Company response to consumer: Closed with non-monetary relief