Consumer complaint received 2023-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I wrote Capital One. 

XX/XX/XXXX Dear Capital One, On XX/XX/XXXX, I received correspondence regarding my credit card accounts ending with # XXXX ( Platinum ) and # XXXX ( Quicksilver ) informing me both accounts are closed due to account activity not in alignment with the credit card agreement. And I do not know why. 
I paid my credit card balance for # XXXX for statement due XX/XX/XXXX in full on XX/XX/XXXX in the amount of {$1200.00}. When I received my XX/XX/XXXX statement, I realized my account had not been credited timely, so I reported a billing error on XX/XX/XXXX. 
On XX/XX/XXXX, when I accessed the app on my phone to schedule my payment for the account ending with # XXXX due XX/XX/XXXX, I noticed both accounts had been restricted. At that time, I had not received any notices on the website, the app, via email nor via mail. 
I was not until XX/XX/XXXX, that I received two very vague letters stating my accounts have been closed. The letters did not include any details on what to do if I had any questions or concerns. Simply two letters stating both accounts were closed and advising me to destroy the cards and that I will still be responsible for the balances. The letter is unsigned and included the verbiage for Equal Credit Opportunity Act So here is what the law says about my actions ( Obligor ) and Capital Ones ( Creditor ) actions. 
I paid my statement on time and in full on XX/XX/XXXX. 18 U.S. Code 8.

I expected my account to be credited timely. 15 U.S Code 1666 ( b ) ( 4 ).

When it was not, I reported a billing error dispute timely. 15 U.S Code 1666.

I expected a complete and thorough investigation 12 CFR 1026.13 and my account credited accordingly or a written explanation or clarification 15 USC 1666 ( ii ).

The response I received was an adverse action ( restricted/closure ) of both my credit card accounts.

In doing so you violated a number of laws including 12 CFR 1026.13 ( d ) ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S. Code 1691c and is pursuant to civil liability under U.S. Code 1692k.

You are subject to criminally liability for violating 15 U.S. Code 1691 as I have proof that I was discriminated against by Capital One Platinum Credit Card and Capital One Quicksilver Credit Card due the actions taken.

Ultimately, I expect my accounts to be reinstated in good standing and my account credited accordingly.

I have enclosed all documents supporting my statements made in this letter. I have also sent this to your Chief Financial Officer, XXXX XXXX, addressed to his office located in XXXX VA. 
I am extremely disappointed in how this has been handled. I thoroughly enjoyed the contractual arrangement we had. I hope this is resolved swiftly and my accounts placed in the proper standing. If they are not, I will have to seek legal counsel for remedy. 

On XX/XX/XXXX, I received a response from Capital One 's Customer Advocacy Office confirming my account ending in # XXXX was closed on XX/XX/XXXX. There was no mention of the account ending with # XXXX, which suffered the same fate. The response indicated my payment for the account ending # XXXX, was not accepted as it was not considered to be legal tender. The response stated my accounts would not be re-opened and if there were other claims not specifically addressed, it did not mean they agreed to such claims. 

I would like both accounts re-opened and placed in good standing.

Company response to consumer: Closed with explanation