Consumer complaint received 2017-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Good Afternoon. I had two accounts with Capital One, which they closed out without my permission. With these two accounts, this affects my credit report. For account XXXX, I had issues with this XXXX  account since XX/XX/XXXX. Back in XX/XX/XXXX, my account was passed due for a few reasons. I was not able to do a payment over my home/cell phones and online payments due to service issues with XXXX. At that time, they were working in my home area, they had to do underground work/placing new wires on the ground. Where I worked, I am not allow to use office phone nor do online payments because I can get terminated from job. Heres the reason why I want my full 100 % refund back from both XXXX XXXX numbers : XXXX and XXXX. Back on XX/XX/XXXX or XX/XX/XXXX, I spoke to a supervisor in the XXXX  office and did the payment for me and said he will remove fees on my account ( ending XXXX ). I thought everything was all set with this account, but had another issue back on XX/XX/XXXX. I was hit with another past due/late fee charges, which I spoke to 53 representative on this date to explain what happened and to have a manager to listen to call. Finally, on XX/XX/XXXX, I made the payment after a manager review the call. The same manager told me that he will reverse the fees into account. Another issue I had with capital one is the line of increase. My last line increase was back on XX/XX/XXXX, after I found out after applying several times that I had to wait six month. I did received letter but never received an attached FAQ about my account. I spoke to a representative name XXXX back on XX/XX/XXXX. She was the person ( after speaking to 30 representatives about this matter ) that I had to wait until after XX/XX/XXXX. So, on XX/XX/XXXX, I applied and said I was denied because my account was past due ( which was capital one errors ) and debt ratio is too high. I spoke to several people and had several manages telling me that they will research this matter and return my call. You have to understand how frustrating because I had to write down names of people who I spoken to and tell me either they will call me back in 24-48 hours to resolve my issue or I had to follow up after 48 hours. This is where I was getting very upset. Finally, I spoke to a XXXX ( I think thats her name ) and said she will not listen to calls because I was being rude and closed my account without my permission. I found out the account was closed after trying to use the card. Not only had she closed the account ending at XXXX. She also closed my account ending XXXX ( which I did not have any issues with ). The account that ending XXXX, I was going to get a {$250.00} increase on the card. I am disputing both accounts for the following reasons : 1. Capital One did not have my permission to close out my accounts. I received the letter after calling the office to find out account was closed. 2. This affects my credit score ( big time ). I was forced to pay off {$2200.00} in order to get my credit score/debt ratio lowered. 3. I am demanding a refund for account ( XXXX ) for XXXX. I also felt that account ( XXXX ), they need to make balance XX/XX/XXXX because I did not have any issues with that account and this is also affecting my credit report. Attached are the letters that was sent to me when applying for an increase on the account ( XXXX ). I also would like to be reimbursed for the amount of {$2.00} ( because I had to go to XXXX, scan and email copies to the Consumer Protections. I would like a call back at XXXX at your earliest convenience. Thank you XXXX XXXX

Company response to consumer: Closed with explanation