Consumer complaint received 2022-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
I opened a Capital one XXXX secured card about a year and nine months ago and showed excellent responsibility with said card. I was under the impression that if I did so that in due course the card would be unsecured and I would receive my {$1000.00} security deposit back and I would also be given credit limit increases. This however never happened and during that almost two years my other cards gave me increases and became unsecured. 
What did happen about 8 months ago or some time ago, I was offered a Quicksilver credit card from Capital one saying I was pre approved or qualified and so I accepted the offer and I was given an unsecured card. I have used this card along with my XXXX card and continued to be a responsible card user as I have with all of my cards. 
I asked for a credit limit increase on my Quicksilver card last week and was approved which brought my total credit line with the Quicksilver card to {$5000.00}. 
On or about Friday XX/XX/XXXX I called Capital one and spoke to someone to see about an increase in my secured XXXX  cards limit and I asked if I would be given a hard pull on my credit report and they said they did not know. 
I asked to have a supervisor and they said they would call me back. I did not hear from them until Monday the XXXX. 
They told me the same thing. I was also told that the card could not be unsecured. 
I decided that it would perhaps be better to simply close the card and then apply for another one in a month or two. 
When I spoke to the woman on the phone the balance was {$0.00}. 
I have an email with a {$0.00} confirmation on the XXXX account. I also asked her to confirm that there were no reoccurring monthly charges. She confirmed that there were not. I said okay then can you please close the account. 
She read me the usual statement about closing the account etc. 
She then told me that the account was closed. 
In the beginning of my conversation with her she told me the conversation was being recorded and so if you need to confirm any of this you can listen to the recording. 
I would like to request a copy of any and all recordings between me and any capital one employee in the last 10 days or so. 
I went on my capital one account last night and to my deep concern it showed that my capital one XXXX account was still open and had a balance from a hotel charge that I had reversed by the merchant and was told I would not be charged. 
I also found that my Quicksilver account was closed and or restricted. 
I immediately called ( This was about XXXX ish XXXX XXXX the XXXX I believe or it could have been past twelve which would make it the XXXX in the XXXX 
The young lady asked if I wanted to reopen the account? I made it clear that I never asked for the account to be closed and that it was the XXXX card I requested to be closed. She said that she saw that it was supposed to be closed and that there must have been some mistake. She put in the request to reopen the account and said it could take a week or more. 
This morning I went to my Capital one account and it seems they have locked me out. 
I can not log in. 
I am putting in this complaint because I believe the woman on the phone when I asked to have my XXXX card closed, may have been irritated with me and done this on purpose. Maybe not, but either way my account that was in good standing was closed and this could have an adverse effect on my credit. For starters it could effect my Credit utilization numbers which could cause me to have a credit score decline. 
It may be that because I closed my XXXX card they retaliated against me and closed my Quicksilver account or ... ... .maybe this is just a mistake. Either way I want my Quicksilver account reinstated. 

This is a copy and paste of an email dated the XXXX ( After the date I had the XXXX card closed. As you can see It is {$0.00} Your balance is {$0.00}. 
If you need me to forward this email then just let me know and give me an email address that I can forward it to or ... ... ... .I can take a photo of it and upload it. 


Your requested balance summary Inbox Capital One Mon, XX/XX/XXXXXXXX XXXX XXXX ( 2 days ago ) to me Sign In Capital One Your balance is {$0.00}. 
About your XXXX Secured Card ending in XXXX XXXX, As requested, were notifying you that as of XX/XX/2022, your XXXX Secured Card balance is {$0.00}. This balance does not reflect pending transactions. 

Please visit your account to view your pending and posted transactions. 










XXXX XXXX

Company response to consumer: Closed with explanation