Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Because of COVID : 1 ) I had to change jobs in XXXX making {$100000.00} less than I was, 2 ) got divorced moving from a two to a one income home, and 3 ) had to liquidate my retirement savings to pay for my divorce attorneys. 

The only home I could afford for me and my children and qualified for needed significant work to be even livable ( including bad water ). 

I tried to stay up on my credit card payments but it got to be too much. 

I made a payment to Capital one in XXXX and two payments in XXXX an XXXX CAPITAL ONE MOBILE PYMTAuthDate XXXX - {$1000.00} XX/XX/XXXX XX/XX/XXXX CAPITAL ONE AUTOPAY PYMTAuthDate XXXX - {$800.00} XX/XX/XXXX XX/XX/XXXX CAPITAL ONE MOBILE PYMTAuthDate XXXX - {$1000.00} They charged me a member fee on XX/XX/XXXX XX/XX/XXXX CAPITAL ONE MEMBER FEE {$95.00} Then on XX/XX/XXXX they sent me this letter closing my account. 

We're closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement. 
Please stop using this account immediately and destroy any cards and checks associated with it. Also, you should update any recurring payments being charged to this account, including gym memberships, subscriptions to online streaming services, etc. 
You're still responsible for paying any remaining account balance and will continue to receive billing statements until the balance reaches XXXX. 
If you have questions, please call us anytime at XXXX ( XXXX ). 
Sincerely, Capital One EQUAL CREDIT OPPORTUNITY ACT The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial I called the number provided same day and asked why I made payments on time every month and had never been late - why were they closing my account? 

They said that I had automatic payment set up on my account that bounced. I said that I had switched payment accounts, and it was a mistake. 

I explained my COVID related financial difficulties and asked if I could become part of their COVID relief program - https : //www.capitalone.comXXXX  They said that program did not exist and no I was not eligible. 

I then reached out to the non-profit InCharge Debt solutions. They tried to get Capital One to let me roll their account into the program. Capital One was the only creditor that refused to do so. 

I called and tried again, and explained everything and again they refused. 

Since then- they have been charging me close to XXXX in interest and XXXX in late fees each month. 

Then on XX/XX/XXXX they reported me delinquent to my credit report - destroying my credit. 

We're writing to you about your Capital One credit card account. According to our records, your account ending in XXXX  is past due. 
Account Balance : {$24000.00} Past Due Amount : {$1600.00} Creditor to whom the debt is owed : Capital One N.A. 
Unless you, within 30 days after receiving this notice, dispute the validity of this debt, or any portion thereof, we will assume that this debt is valid. If you notify us in writing within 30 days after receiving this notice that this debt, or any portion thereof, is disputed, we will obtain verification of the debt and provide it to you. 
Please include your full name, your full address, and the last four digits of your account number, listed above, in any written communications. You can send this to us b