Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One Attn : General Correspondence XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Good Day Recently we had an issue regarding my Capital One credit card for XXXX, known as the XXXX XXXX XXXX I have had and used this card for multiple years, until recently I received my statement as saw I had over paid my amount due, and had a credit on the account. 
There were some items we needed, so I figured I would go to menards and utilize the credit. Upon attempting to cash out, my transaction was declined. It should not have been, obviously, I had a credit. So I called customer service. I was finally answered after a 20+ minute wait on hold, and the customer service rep told me my card was expired, and I needed to activate the new card that was sent to me. Problem is, I never received a new card. 
I asked multiple times how to resolve this matter that day, and your rude customer service person said You Need to activate my new card and I did receive it alleging I was lying. I asked to be transferred to a supervisor. After another 20+ minutes on hold, a supervisor got on the phone and offered no help, or solutions other then I needed to activate my new card I asked to speak to a different supervisor, and I was getting angry. She then hung up on me.

At this point I was enraged and called back spending another 30+ minutes on hold. I demanded the account be closed, as clearly your staff had no desire to resolve the matter. It was not closed, and I was forced to call back. My anger level kept rising, and I demanded the account closed and I wanted a check issued for the credit I have on the account. 
Fast forward a few days, and I receive a certified letter from XXXX threatening to close my other accounts because I got angry at the horrible customer service. My response, do it. I dare you. 
We can discuss why capital one is discriminating against me, not sending me a replacement card, then denying a charge while I have a credit on the account. Then threatening me with termination of other accounts I have with capital one. You dont hold that power over me. I can get credit anywhere. 
So, I expect and demand an apology from capital one following the incompetent, awful customer service, and then following it with threats of cancelation of my credit accounts in an absurdly condescending letter. I really dont care if you dont like the fact I got angry when faced with your ineptitude and rude customer service behavior. If youre going to threaten me, then we will be done doing business as you suggested in your letter, and I will get an attorney involved. I expect the apology to come in the same manor you sent the hilarious threat letter. Otherwise, please let me know when you will be closing my accounts, which are in good standing and never been late. I am excited to discuss this manner further in court should you feel the need to send more ignorant comments or letters following this level of petty stupidity. I dont due threats, nor will I apologize for reacting negatively following the way I was treated by your staff. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Ohio XXXX

Company response to consumer: Closed with monetary relief