Consumer complaint received 2022-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
Capital One closed GM Master Card Account that has been used since XXXX apparently due to age discrimination in that I am XXXX years of age. 

Actions taken are shown below in two letters as copied less enclosures. Telephone conversations are not cited : Capital One representatives signed for these letters sent by certified mail, return receipt requested. 

1. First letter : XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX Capital One Bank XXXX Capital One XXXX Attention : XXXX Fraud Department XXXX, XXXX XXXX Dear Action Officer : This is in reference to Case number XXXX. 

XXXX furnished : a. GM Card Number : XXXX XXXX XXXX XXXX. XXXX XXXX is attached. ( See Enclosure 1 ) XXXX  XXXX Driver License is attached. ( See Enclosure 2 ) XXXX Facts bearing on the case as follow : During a visit on XXXX XX/XX/XXXX, to the Pharmacy at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, I lost my billfold. 
That same evening I contacted a point of contact by phone at the XXXX hour Customer Center and told the individual that billfold had been lost and also requested a new card. 
The next day, XXXX XX/XX/XXXX, I received a message from someone at the Pharmacy who said " your stuff is here and you can pick it up at Security. '' I returned to the Pharmacy that same day and got the billfold. Nothing was missing from the billfold. I told the officer on duty at Security to please give my thanks to the individual who found billfold. 

I received the new GM Card in a very timely manner. Called and was able to activate the card. One purchase was made with card in the amount of {$130.00} on XXXX XX/XX/XXXX, at XXXX, XXXX, XXXX. 

On XXXX XX/XX/XXXX, I attempted to pay for a purchase of utility trailer at XXXX XXXX XXXX, XXXX, XXXX. Card was denied at that time. I tried to use card again on XXXX XX/XX/XXXX, at XXXX XXXX, XXXX, XXXX. Again card denied. 

In the interim period, since activation of the new card and XXXX XX/XX/XXXX, I have given the new card number to : XXXX, XXXX and XXXX XXXX. ( Any late fees ensuing through no fault on my behalf in this case would be an injustice. ) Called Customer Center on XXXX XX/XX/XXXX and got a point of contact that I could not understand/communicate with so she finally asked if I would like to speak to someone in USA? 

( Page 2 ) I said yes and was transferred to another point of contact. I was able to understand that individual ; however, I did not have the ability to furnish the info requested via my cell phone. As a result I asked for an address to which I could mail the info needed. He furnished the above Capital One address and cited the articles/data needed that are hereby attached. 

Request that the case be expedited and a resolution be completed as quickly as possible. 
Also, would it be helpful if I filed a complaint with the XXXX  Attorney General 's Office? 
Finally, would a complaint with the Consumer Financial Protection Bureau be appropriate and usefull? 

Sincerely, XXXX XXXX XXXX, XXXX. 

Enclosures 1. GM Card Photo 2. XXXX  Driver License Photo 2. Second letter : XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX  XXXX XXXX XXXX, AL XXXX XXXX XX/XX/XXXX Capital One Bank XXXX Capital One XXXX Attention : XXXX Fraud Department XXXXXXXX XXXX XXXXXXXX Dear Action Officer : This is in reference to : 1. XXXX XXXX XXXX. 
2. Letter from the undersigned addressed to Capital One Bank dated XXXX XX/XX/XXXX, in reference to Case cited above. 
3. Letter dated XX/XX/XXXX, Re : Account ending in XXXX Creator : XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX 4. Telephone call between the undersigned and XXXX, your office, lasting approximately XXXX minutes ( consisting of much hold time ) ; then an additional party identified as XXXX entered the conversation. That part of the conversation lasted for another approximately XXXX minutes again with much hold time. These conversations indicated that Capital One needed another copy of the reverse side on my Driver License which had been previously furnished via letter cited in reference XXXX above. 

An additional copy of the reverse side of the Driver License is attached. ( See Enclosure. ) An impartial review of my record with the GM Master Card Account utilized since XXXX will reveal it to be almost perfect ; Therefore, one has to conclude that this case is one of age discrimination in violation of the Equal Credit Opportunity Act ( XXXX ) in that my age nearest birthday is XXXX XXXX XXXX. 

Therefore, I request any and all information being utilized to cause the actions placed upon me regarding this account. The request is made pursuant to the provisions of the Fair Credit Reporting Act ( XXXX ) and Federal Trade Commission ( XXXX ). 

Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX, XXXX XXXX XXXX ( XXXX. ) Enclosure : ( As stated above )

Company response to consumer: Closed with explanation