Consumer complaint received 2016-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Other

Complaint:
At the end of XXXX of XXXX I have lost my job, I have phoned capital one and asked if they could work postpone my payment for couple of month until i find a new job. I have always been on time with my payments as a matter of fact I have always payed my balance in full in less than a year XXXX they have increased limits on XXXX of my accounts from {$500.00} to {$2700.00} send me and offer to open an new account, gave me a {$2000.00} limit and because i never had a balance and whatever I bought on my credit card paid 5 min later via phone app the Capital one have increased my limit in less than 4 month to {$4000.00}. Sadly life happens I lost a job at the end of XX/XX/XXXX and my boyfriend died of XXXX. Our money were in XXXX account. I phoned Capital one on the same day that i have been laid off, and informed them of the tragic situation I was in. The individual ( male ) I spoke with said that they I still have to pay the minimum payment however I will not be charge any interest fees etc? I have phone my late boyfriends parents and told them that auto payments are scheduled for specific days, they refused to give me my money, but they promised me that the {$120.00} which the individual I spoke on the phone said I will need to pay on on XXXX account ( total of {$250.00} ) for XXXX will be in the XXXX XXXX I also purchased insurance on XXXX credit cards ( which of course no one can find at this point ) but how could I not after what happened in XXXX, I would never wanted to take any risk my trust with credit cards its slim to none. I have seen people lives destroyed, and ruined to to credit companies I would never sign up for a credit card with out insurance, still Capital One could n't find any insurance which was about XXXX on each {$1.00} i spend. Today I phoned to ask how come i ca n't use my credit cards, and I was told the my life has been destroyed by capital one and XXXX of my credit cards were closed. The moment I informed them that I have lost a job, my credit card were closed, and they said it was because my payments were returned, which I was never informed, and when I spoke to the agent in may he has never ever ever ever ever informed me about any of my payments being returned. I have paid payments from the same account I have always did, I have been a great customer of Capital One until I lost my job and was honest about it. My late boyfriends parents promised me that there will be money in our accounts for me to pay my bills and and the bill has been payed. I bag you this is my life this my credit when I spoke with the supervisor they said they have sand a letter about not about me not making payments, but about the account being wrong???? XXXX letter at the end of XXXX after I phoned and said I lost my job. Please help me. I beg you, I will pay the credit cards off, but how can they just those accounts when they have raised my credit limits from over 400 % in less than a year? Please do n't let them destroy me. I have a student loan of XXXX. XXXX, XXXX, and now they closed both of my account, when I phoned at the end of may and told the truth about losing my job. Help, please help. Where do I turn? where do I go? Where is justice for people who get laid off and are honest with credit card companies? I believed there was some reform? I volunteer, have helped those who needed help, please help me. I have worked for XXXX XXXX, and for former XXXX of XXXX of President Obama. I know that I 'm not the only XXXX being wrong. I bag you for help. Thank you kindly XXXX XXXX XXXX : XXXX XXXX : XXXXXXXXXXXX

Company response to consumer: Closed with explanation