Consumer complaint received 2016-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Transaction issue

Complaint:
I feel harassed by the Capital One credit card division. In the last 30 days I have received two emails form Capital One stating as below ( in quotes, italicized ) : " Our fraud defenses flagged one or more purchase ( s ) below as unusual for your VISA SIGNATURE card ending in XXXX. Do you or an authorized user recognize these purchases? If we 've already spoken about this, you can ignore this email. 

Some things to consider when reviewing your purchases : If a dollar amount differs from your record, it could be a pre-authorization. For example, many gas stations pre-authorize an amount ( usually between $ XXXX- {$75.00} ) because they do n't know how much gas you 'll pump. 
If a purchase is legitimate but you want to cancel it, you have to contact the merchant directly '' Email XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX {$79.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$9.00} XXXX XXXX, XXXX XXXX XXXX {$20.00} XXXX XXXX, XXXX XXXX XXXX {$13.00} XXXX XXXX, XXXX XXXX # XXXX {$21.00} Email XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX {$79.00} XXXX XXXX, XXXX XXXX {$26.00} XXXX XXXX, XXXX XXXX XXXX # XXXX {$13.00} XXXX XXXX, XXXX XXXX # XXXX {$84.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$50.00} In my opinion, there is nothing unusual or suspicious about the listed transactions, as these are recurring payments ( such as XXXX or XXXX ) or purchases in the XXXX miles radius from the place where I live. My FICO credit score is above XXXX. I had paid in full the card balance listed in each statement since the commencement of the card, so I assume that is a reason that for Capital One may label me as a " bad customer '' who can not be charged late fees and interest. I have over XXXX reward points for my purchases on my Capital One credit card. 
In my opinion, Capital One is making consolidated efforts to take away these reward points by discouraging me from normal use of my credit card. On XXXX XXXX, XXXX I had spoken twice with Capital One Customer Service supervisors asking why I am getting cited emails and which transactions are suspicious. Last conversation was with XXXX, ID # XXXX. Neither supervisor was able to explain why I am getting emails, and which transaction triggers it. However, they confirmed that my credit card might be suspended if I do not validate transactions listed in the email. In both conversations my request for a written explanation was denied. Agents of Capital One also denied fixing an issue and any written assurance that Capital One will make any necessary steps to avoid closing accounts and sending emails for non-specified reasons. 
I am finding the actions of Capital One as a consistent and elevated effort to violate card agreement by the discouragement of customers like me to use their accounts and gain rewards that are part of the agreement, or to further to take away reward points. 
In summary, I am asking The Bureau of Consumer Financial Protection to record my complaint and possibly check if Capital One 's practices fall into standards of the banking industry.

Company response to consumer: Closed with explanation