Consumer complaint received 2023-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital one I have 2 accounts autoloan and credit card. I was suffer from nsf fee due to XXXX  XXXX XXXX. My car was reprocessed when I owed them $ XXXX from {$48000.00}. But it was my fault so I understood and paid off my vehicle with fees and fines total combined was around {$4500.00}. Belonging lost XXXX location found in towing company location was lost, never found. Got vehicle back to find out that capital one denied my access to my own autoloan that paid off. A month later when I check with dmv and capital one didnt release my lien yet. I call and they denied my account was ever existed so I told them that can you check if you released my lien yet. Ive paid off a month ago. They suddenly found that the lien was not released yet and they released it on XX/XX/XXXX when I paid off XX/XX/XXXX. So I asked capital one just to waive late fees for last XXXX months of my autoloan ( around {$100.00} ) that I was late and got it reprocessed and used them as credit to the credit card that I owe them. They said they will escalate it and when I call another day. My account couldnt be found again, never exist. Capitol one left me credit card that I owe them rewards points were deleted. Since credit score was bad my card was closed as well but the account was open so I paid for my debt until XX/XX/XXXX that I paid off my account. I paid interests and late since the day coronavirus started until the day I paid off. I only asked them that I need my autoloan statements for tax return. This is the answer I got from them a couple of day after my credit card account was paid off, you dont have account with us this time. Call ask for full account number, full credit card number, ssn provide but couldnt find anything. End up find tax return with those expenses. 

XXXX-my account has checking and credit card. Checking was closed with no reason. They said it was negative and cant be negative more than 60 days and my account had no movement for months. But I had my direct deposit coming in every 15 days. So I asked them Id like to pay for the negative amount that I owe you so I can have access to my statement. They said the amount was XXXX now because the couple of direct deposit bring them to positive so they closed it. Until now I sincerely dont understand why did they close my account and never give me a statements. 
For XXXX XXXX credit card - I just closed it this year XXXX. I missed a few payment so my credit score went bad and credit card was closed since XXXX kept account open to pay the debt and interests. I asked them about the coronavirus fee relief and I never be able to waive a single cent. I paid off my credit card with interest and fee. Same issues occurred but this time my login was block I couldnt log in to my account. Call them to be ask for full credit card info that I was closed in XXXX or account number that I had only last 4 digits. I try to get my information to be told that my account was locked due to fraud transactions. What? My credit card was closed by XXXX, I only paid during the time after it was closed. I couldnt use any credit on that card even if I paid off. Now my accounts was ban from fraud transactions. Need full credit card numbers of over two years ago card, full acc number when I have left was last 4 digits of my account number on my email, ssn is not allowed to be used for searching at the time. Statements will be paper released only if I provided XXXX digits number card or account. XXXX what are you afraid of? Or hiding? The number never lie, I paid off by sending fund from another account. The day I asked you to waive late fee because I was short about {$10.00} from over {$200.00} minimum payment. Your customer service said only {$10.00} I should have no problem. She did great though to remind me {$10.00} was lower than my minimum wage for an hour and I would definitely be charged if I failed. I dont know how to say it so I hang up. 
Just want to explain I was laid off suddenly late XXXX, XXXX payroll records. All my last paycheck was used to paid credit card capital one, XXXX, and XXXX  credit account. I can borrow from friends and family but I did that before and not really proud of it. Charge me if you think it is necessary it is just gon na take me a day longer to pay you off. 
Never claimed unemployment nor plan to claim it. That was the message I want to tell her.

Company response to consumer: Closed with explanation