Consumer complaint received 2023-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I was offered to open a credit card from Capital One and after almost 11 months my account was closed on XX/XX/XXXX and was not explanation why went I call the bank but instead I was offered to re-applied for a new card. 
On XX/XX/XXXX I decided to applied for a Capital credit card ( I was receiving many offers to applied for a credit ) and 15 days later on XX/XX/XXXX my account was closed and this time went I call the bank to ask for an explanation why they close the account again after I talk to them before I applied again and the representative confirm that was no problem that they can see and restrict me from open an account. At the end they closed and the explanation was the underwriter and internal investigation find that i was not allow to have an account open with them I ask what was the problem so I can resolved it in my end and they denied to inform me about or give me more info. So I call all the credit report agencies and consumes report agencies doing my own investigation and I could not find anything that could affect me from getting a credit card or any type of loan in fact I had credit cards, bank accounts and car loans opens with not problem I call all of them to see if they see any wrong or bad information that can be affecting me about this matter but everything was ok. Also my wife add me to her Capital one account trying to see that may was something else and Capital one canceled my card and threaten her saying that they will close her account if she add me again we even ask if all this issue with me not allowing to have a Capital one credit card account open was because the Bankruptcy that was Discharge on XX/XX/XXXX but was XXXX but 's XXXX was that my wife was on that Bankruptcy with me and she has an account open until today 's day and XXXX is that the bank denied that was the reason.. 
Since that day I been receiving offers at all the time trough the mail and the email to apply and I don't understand why I still receiving this offers if They don't want me with them with out an explanation why they still sending me offers. 
On XX/XX/XXXX I applied again thinking that everything was resolved or over but not. I went to Capital One Branch to find out if was anything that can keep me out from open an account and they did not find any problems from me to open I also call the credit card department to find the same think if there was any problem or restrictions that will not allow me to open an account and they said that everything was ok so I got my account open but on XX/XX/XXXX my account was closed with again with the explanation of that " Capital One has observed activity on a pass or present Capital One account that is not consistent with anticipated account activity based on Capital One 's account opening and ongoing due diligence. I ask for more explanation but I was denied. I ask them that this may be an error may be due to some one else with the same name or someone else open an account on my name with out me knowing if they can give me a little be more info so I can take steps to resolve any issues that I may have but as per them I do not have one.

Company response to consumer: Closed with explanation