Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I attempted to close my account by telephone conversation with Capital One Credit Card Company representative. I had paid the FULL Statement Balance of {$13000.00} by online payment from my personal checking account on Friday, XX/XX/XXXX, AND the payment cleared my account on Monday, XX/XX/XXXX. Please note I spent 8 months ( XXXX XXXX XXXX  ) not charging my account because I was unable to pay my minimum payments most of the time because I was working with an attorney to file my Bankruptcy Action. I closed on the sale of my home by XX/XX/XXXX, to avoid Bankruptcy and received funds in early XX/XX/XXXX that I needed to pay the full statement balance due on XX/XX/XXXX. After my full balance Payment om XX/XX/XXXX, I charged XXXX purchases to help furnish my new apartment. I charged {$180.00} on XX/XX/XXXX ; {$37.00} on XXXX XXXX and {$89.00} on XX/XX/XXXX. Capital One charged me {$44.00} interest on purchases even though I had paid my entire statement balance days before and those purchases should not have shown interest unless entire statement balance wasn't paid by XX/XX/XXXX. Capital One also charged me interest of XXXX on XX/XX/XXXX on " Cash Advances. '' I HAD NOT GOTTEN A CASH ADVANCE SINCE XXXX and any cash advance was paid off when entire statement balance was paid. On XX/XX/XXXX an Unauthorized ( fraudulent charge ) in the amount of {$40.00} from XXXX was accepted even though my account was supposed to be closed on XX/XX/XXXX or XXXX! Another unauthorized charge from XXXX of {$120.00} ( I had already renewed my XXXX account using a different credit card ) and the charge was accepted on XX/XX/XXXX even though the account was closed by XX/XX/XXXX. I paid {$490.00} on XX/XX/XXXX to pay the XXXX charges that totaled XXXX. The {$220.00} of ILLEGITIMATE INTEREST AND MY Authorized XXXX PURCHASES Were PAID BECAUSE Capital one phone representative refused to acknowledge my dispute. Once the full balance of {$490.00} was paid I called to Cancel account on XX/XX/XXXX. THAT WAS NEVER CONFIRMED IN WRITING. I requested a refund check by XX/XX/XXXX for amount illegitimate charges totaling {$220.00} perhaps reduced by {$6.00} based on following information about interest adjustments. and have not received it. I just found online total purchase charge adjustment to decrease portion of balance I was charged for illegitimately XX/XX/XXXX of {$60.00} and interest charge adjustment of {$2.00} and {$4.00}. I was supposed to pay by XX/XX/XXXX {$100.00} which I had reported by email as fraudulent charge because my account was closed in XXXX and NO CHARGES SHOULD HAVE BEEN MADE. After the illegitimate charges accepted after account closure by XX/XX/XXXX, I went on my Capital One App and entered a command to BLOCK ALL CHARGES to my Capital One credit card SO THAT I COULD CUT OFF THE CHANCE CAPITAL ONE COULD CONTINUE TO RIP ME OFF by making illegitimate charges! I never received confirmation of receipt of emails or the proper adjustments to my account. I refused to pay additional illegitimate charges because I never received an adequate refund for illegitimate charges made! I sent a letter regarding my complaint about illegitimate charges on XX/XX/XXXX and sent it by USPS Priority Mail. On XX/XX/XXXX I received a letter saying I owed {$100.00} on XX/XX/XXXX. I DID NOT! NO CONFIRMATION OF CLOSURE OF MY ACCOUNT IN XX/XX/XXXX HAS BEEN RECEIVED. I MAY HAVE NO CHOICE BUT TO REPORT THIS FRAUDULENT CONDUCT TO THE FTC.