Consumer complaint received 2017-06-22
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:
I received a secured credit card with capital one with a {$200.00} balance to help build my credit. I put {$100.00} down to received the card. My FIRST payment wasnt due until XX/XX/XXXX I believe ( around that time ) but made my FULL payment via my bank account on XX/XX/XXXX. I wasnt sure about which of the 5 routing numbers to use for my area but picked the one closest to me and sent the payment. I checked my account all the following weekend but no withdrawl was made to my bank account for the amount due. I called Capital One Monday XX/XX/XXXX to see what was going on and they said it was returned ( routing number ) and said just find correct routing number and resubmit which i did IMMEDIATELY! Note that the Capital One rep NEVER said my account was closed or anything of that nature and that resubmitting my payment would fix the issue. Fast forward to Wednesday XX/XX/XXXX still no payment taken out of my bank account. I called and spoke with my bank and they said it shows to be taken out overnight on Thursday XX/XX/XXXX. I called the number on the back of my card to let them know what my bank said and my card sent me straight to the fraud department. I spoke with a rep who REFUSED to give me his employee ID number after I caught him laughing/giggling at me while having our conversation. I can only assume he was laughing at how aggitated I was because I am TRYING to build my credit and such a simple issue could have been easily resolved OTHER THAN SHUTTING DOWN MY CARD. I have plenty of money in my bank and was ATTMEPTING to pay my balance due EARLY and now because Capital One couldnt of contacted me to let me know about the routing number issue ( even though i clearly made calls to fix issue ) my account is closed and I have to now reapply and no other options. This is bad business! If my funds werent available thats one thing but because of a mistake entering my routing number???? and again the rep ( Employee number XXXX - XXXX XXXX ) was such a jerk on the phone and had such a condesending attitude I wil NEVER do business with Capital One ever again! I am FURIOUS as I feel I am being severly penalized for an issue that was in NO WAY anything other than trying to pay my dang CC bill! The way I was treated by XXXX was unprofessional and I will continue to file complaints with state/local/federal agencies to let them know about how Capital One likes to do business and not actually provide customer service in any way! I am trying very hard to establish and build credit and the first time I get a card this happens!?!? And their reply is " ohh well, you can reapply but we closed the account ''. I would like someone to take action against Capital One Employee ( Employee number XXXX - XXXX XXXX ) for how I was disgustingly treated when I CLEARLY was trying to make an EARLY PAYMENT IN FULL! I will never use their services ever again and will also discourage any friends/family from doing so in the future.

Company response to consumer: Closed with explanation