Consumer complaint received 2015-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On or about XX/XX/XXXX, I went to make a purchase using my CapitalOne Visa card my purchase was declined. I was shocked and knew that there must 've been some mistake as I had available credit. I 've had this account ending in XXXX since the XX/XX/XXXX and during that time always kept my account current and in good standing. So I immediately called the customer service number on the back of the card and I was informed that my account was restricted and to call another number. Upon calling the number which was given, I was informed that my account was closed do to participation in a legal action that is either past, present or pending and that a letter was sent out about a day or so prior to me calling in. At this point I am consumed with worry and anxiety because I am unaware of any legal action and concerned that my identity had been stolen or maybe someone was trying to sue me and I just have n't received notification. Once I received the letter it stated vaguely " Principal Owner XXXX s ) have past, present or pending legal action. '' No further information was noted as to what this legal action was nor any reference to where the information was obtained from in order for me to investigate the accuracy of the information. I then reached out to the Executive Office which issued the letter to get further information, I was only met with attitude by a male rep and was told to check my credit report for public records which I did while remaining on the call. All three of my credit reports displayed 0 reports on my public records. Then the representative suggested checking with DOJ or FBI or to hire an attorney because they had accurate information. So I saved up some money and retained as counsel The XXXX Law Group. No information was obtained by the law firm during their research and later an Engagement letter along with a signed Authorization Form by me was sent to CapitalOne around XX/XX/XXXX. With help of an attorney CapitalOne still did not provide further information regarding the legal action and it began to seem that only CapitalOne was privy to this legal action. By now I 'm experiencing XXXX daily. I am now out of money for retaining an attorney and still coming up empty handed ; my two additional accounts with CapitalOne which originated with XXXX were closed for the same reason and yet no record could be found. Then I began to think that even if there was something with the DOJ or the FBI that did n't appear on my public record how could anyone know without obtaining a background check which would require my consent and none was given, as well as, why is this company the only institution with access to this information. Last year, I retained the XXXX XXXX Firm hoping to get more information about this legal action being that this firm worked with credit issues and the previous one was criminal, and still none was given. I am now put in an even deeper financial bind after retaining new counsel to try and clear my name with this company based off a vague and ambiguous accusation. In XXXX of this year I consented to a LiveScan ( finger printing ) in order to receive my registration number for the the California XXXX XXXX XXXX XXXX and their investigation pulled up 0 findings in my record. I feel as though I am being discriminated against in that my previous address was in XXXX and I have had to endure unnecessary emotional distress and financial hardship at the hand of CapitalOne.

Company response to consumer: Closed with explanation