Consumer complaint received 2019-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XXXX of XXXX I replied to a email offer and applied for a Master Card from Capitol One. I was approved for a {$600.00} limit and a account was opened and card was sent to me for a new account. 

I used the card and within the first 45 days made purchases and expenses that I expected to pay over a year and establish my credit. 

I payed my first bill, and my second bill and then when I went to use my card in XXXX, I was told that my account was closed. 

I called them numerous times and nobody at the company could explain why my account was closed and kept giving me the runaround. 

I attempted multiple efforts to get an answer and after 3 or 4 months and multiple unsuccessful attempts finally someone in a supervisor position said to me the account was closed because there was a mistake on their part and the department that opened the account should not have done so. 

I could not believe they misinformed me, misled me to believe I was given the credit and after I used it they Maliciously and with no and regard for my interest they closed my account I Called on XXXX Spoke to XXXX and explained I was very unhappy yet I wanted to resolve my account and would like to pay and close. 

She informed me that she was sorry and would remove the 4 x {$38.00} late fees that were charged while it took them to figure out and communicate why my account was closed. 

She said my balance prior to the credits I would receive is about {$690.00} I Called on XXXX Spoke to XXXX id # XXXX Made a payment of {$520.00} Reference # # XXXX At that time I was told that only one 1x {$38.00} late fee was removed and that there are still Disputing Past Due Fees of. {$130.00} that need to be removed. 

I asked to speak to XXXX whom I spoke to and told me that if I plan on resolving my account in full they would REMOVE late fees and I could close my account with them with zero liability and balance. 

I called back Called on XX/XX/XXXX Payed {$50.00} Conf # XXXX And they still did not Credit my account properly. 

In Addition they began NEGATIVELY reporting my account to the credit bureaus which has caused my score to decline and many adverse negative impacts on my financial abilities Called Capitol One on XXXX XXXX At XXXX XXXX  Spoke to XXXX : ID # XXXX Explained the issue She agreed and said she is going to see what the problem is. 
She then Transferred me to XXXX who supposedly could rectify and resolve this. 
XXXX ID # XXXX After a one hour conversation and review of my claims and facts she put me on hold and the call was dropped. 

Call dropped so I called back and they could not connect me to XXXX nor could they look up the notes on my account. 

I called a 3rd time and spoke to Qristine Id : XXXX After another 45 min call and explanation she said she is going to have to escalate to higher supervisor And they will call me back. 

This company has falsely from the start manipulated me, defrauded me of my credit and has negatively impacted my honest and good faith attempts to reestablish my credit. 

My name is XXXX XXXX My account # is XXXX XXXX XXXX XXXX My address is : XXXX XXXX XXXX XXXX XXXX, Ca XXXX Cell # XXXX Email XXXX I am hoping you can help me , Sincerely XXXX XXXX

Company response to consumer: Closed with explanation