Consumer complaint received 2024-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One prematurely permanently closed my account on XX/XX/XXXX without prior notice, written, verbal, or through any communication, advising me that my account is in the process or would be closing. I was not informed or given notice through USPS mail, email, voicemail, missing payments, past due, over limit, broke contract ( no communication at all ). Let it be known that I, XXXX : XXXX, am not satisfied with the outcome and the way the situation was handled. My credit card ending XXXX was cut off prematurely and without prior notice. I only found out after I attempted to purchase groceries ( XX/XX/XXXX ) and my card was declined. After further further investigation and numerous phone conversations with different customer service representatives ( from this one call ), after being connected with the 4th rep I was then told that my card was PERMANENTLY cut off for violating their terms and or conditions of their contract. I was not told the exact reason ( because there is not one ), only read a monotone script they were trained to read. This was not an acceptable reason on the grounds that I had not violated any terms or conditions at all. I was told that a letter had been mailed out that day ( XX/XX/XXXX ) stating the reason ( s ) why my card was permanently shut off. I asked 4 different reps can they please return use of my card if they could not provide proof of any mishandlings on my end. They could not provide any proof and yet my account remains closed. More clarity below : First, I asked for a credit increase in XXXX and was denied stating in a letter I received dated XX/XX/XXXX that ( 1 ) the account was recently past due; and ( 2 ) recent use of this accounts credit line has been too low. 
( being discriminated against because I do not use my card as often or as much as they would like ). 
The first accusation is false, as there was a payment mailed out in XX/XX/XXXX ( a check for {$530.00} through certified mail return receipt requested ( information upon request ) with a letter thanking the company for the positive balance along with instructions to apply the balance to the principals account. It was accepted, although the balance did not change. 
A second check was mailed out XX/XX/XXXX ( {$1200.00} certified mail return receipt requested ( information upon request ) to CFO XXXX XXXX XXXX. I wanted him to see I was making payments, and they were not being processed to the principal account. Once these payments were accepted the balance should show Paid IN Full {$0.00} balance owed. If this was not an acceptable tender of payment, I was not made aware, no emails were sent, no letters, were mailed out to me ( accept for the denial of a line of credit increase and the letter attempting to vaguely explain why my card had been permanently cut off two ( 2 ) days after payment was mailed out which I explained to the customer service representative ), and no phone calls were made. Thus making the account {$0.00} balance after receiving the payment and would also put them in default to their end of the contract. That did not happen. They went into default by not honoring my payment. 
Secondly, that there was a certain amount I needed to spend each day. I spend as needed, and because the holidays were rapidly approaching, is the time when I use my card the most. I am being unjustly penalized and falsely accused of not making timely payments by not doing electronic transfer funds ( I mailed in the payments instead ), and accused of violating terms of agreement that can not be proven or expressed/explained to me what has been violated. The only reason I found out my card was permanently shut down is that I tried purchasing groceries on XX/XX/XXXX and was declined. I called the customer service line minutes after to find out what was going on, then and only then did I get any information about the situation. No prior communication ( written or verbal ) was given. If this is how a multi-billion dollar company handles their valued and appreciated customers, I should hope they treat people they do not appreciate or value even worse.

Company response to consumer: Closed with explanation