Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I had two credit cards with Capitol One ; a Quicksilver card, and a XXXX XXXX card. In XXXX of XXXX, I purchased a computer that I later asked for a chargeback for. Capitol One asked for information from me, and told me that they would mail out instructions on how to submit that information. I never got that letter. Two weeks later, I called up and was told that the instructions are online. So, that same day I submitted the information, and the next day I got an email from Capitol One saying that I took too long to get them the information so they closed the file. I complained, and later I got a letter from Capitol One saying that I was abusive on the phone. I don't remember the phone call very well, but I'm sure that I was upset. 

A month or two later, I purchased tickets for a vacation overseas. Not much longer after that Capitol One notified me that there was a charge on my XXXX XXXX card that they believed to be fraudulent. It was. I thanked them for noticing it, and contacting me, and I was told that I would receive a new card in the mail. Some time later, I received a new Quicksilver card. Everything was the same on the card, except the expiration date. I contacted Capitol One and I was told that they sent that out to me because the old one was due to expire soon. After looking, I noticed that the old card wasn't due to expire for at least another two years. I activated the new one anyway, and told them that I needed to get a new card. I also told them that I need it soon because my departure date was coming up. On XX/XX/XXXX, I received my new XXXX XXXX card, except it was an exact duplicate. The same numbers, expiration date, and CCV code. It was completely useless. That was a Monday. The next morning I contacted Capitol One, and spoke to a manager. I was told that a new and correct card would be issued and that I should receive it in three to five business days which didn't work for me. The XXXX was a Tuesday. My departure date overseas was on the XXXX of XXXX ; a Sunday. I was told that they wouldn't accommodate and send a new one over night to ensure that I had it in time for my vacation. However, I did end up getting my new one the next day. I remember again being upset with Capitol One 's mismanagement of the situation, but I believe the following day I called up to activate the new card, and I believed that I also thanked them for finally correcting the situation. 

My vacation was from XX/XX/XXXX, to XX/XX/XXXX. I left the United States with XXXX balance on both of my cards, although I XXXX have had a {$20.00} or {$30.00} balance on my Quicksilver card. I had a {$2000.00} limit on my Quicksilver, and a {$7000.00} limit on my XXXX XXXX card. I never reached close to either limit. But I believe it was around XX/XX/XXXX that I went to use my card, only to find out that Capitol One had cancelled both of my cards. When I spoke to them on the phone, they refused to tell me why. They only told me that they are mailing me a letter explaining why they cancelled my cards. After getting back, I found out that they cancelled my cards because they said that " Due to my continued abusive behavior towards Capital One, which has included taunting on a call with our associate that occurred on XX/XX/XXXX, we have made the decision to close these accounts. '' There was no taunting, but plenty of frustration over getting the wrong card twice from a company that is supposed to be assisting me in my purchases. 

Because Capitol One cancelled both of my credit cards mid vacation, I've had to cash out investments, and collect on debts owed to me. I've lost over XXXX points on my credit score, and my Quicksilver card that had a balance of {$30.00} dollars has received a {$39.00} late fee, as well as interest. They knew where I was when they cancelled, and they are being vengeful over my disdain of their incompetence.