Consumer complaint received 2024-12-16 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:
After being a loyal and on-time paying customer of Capital One for many years in XXXX XXXX I received a credit bureau alert that my total credit line had decreased, creating a decrease in overall credit score. Looking at the alert it said CAPITAL ONE CLOSED my account without notice, which had an excellent history and XXXX balance. When I logged in to Capital One credit card account I saw they CLOSED my account in XX/XX/year>, and furthermore, I was UNABLE to view any past statements or info on my account!! ( I use this info for accounting info and suddenly I had NO ACCESS to any of my prior statements ). 
I immediately called Capital One, and spoke with Customer Service. XXXX was informed that it was due to " account inactivity '' only, there was NOTHING derogatory on account and indeed I was a customer in excellent standing for many years. I told her I 1 ) had no notice regarding this and 2 ) this was unfair to CLOSE an account and lower my credit score in return for being an excellent customer for so many years! She said she could do nothing. I then asked for a supervisor. He listened politely and informed me the same, and said that he also didn't agree with the decision at all and alluded to the fact they have a lot of customer complaints on this exact issue and unfairness and encouraged me to do an on-line search of how to reach out to the company by mail as there was nothing he could do, albeit he didn't agree with decision. I asked why I got no notice this was about to happen, and he said ONE NOTICE was mailed in writing to my home address, which I did not receive. I asked him WHEN, he said XXXX. 
I found that odd, as Capital One has in the past texted me AND emailed me info ( solicitations mostly ) and then I informed him that I did receive any mail from them in XXXX. I also found it " odd '' why only one notice sent to my home, why not email me? 
Capital One seemed to CARE NOT that they punished me for being a great customer for so many years by CLOSING my account for inactivity, with virtually NO NOTICE to me. I then thought " what else happened in XX/XX/year> '' and realized this was the year I turned XXXX in XXXX. Why did they pick the exact month of me turning XXXX to " suddenly decide '' to CLOSE my account? And only one ( letter mailed to a home address? ) as the only notice? 
Not only do I think this is HORRIBLE customer service, I think it is WRONG to PUNISH someone for not using their charge card!! After so many years of them making money off me! They could have texted me, emailed me, but NO NOTICE! This has sent my credit score DOWN for doing NOTHING WRONG!!! 
They could care less about me, my business, or my complaint and have NO email for customer complaints! That should speak volumes! Not only ae they " horrible '' in the treatment of how they treat the customers creating THEIR PROFITS, they don't care that they damage your credit for no reason. In addition to this government website, I intend to file with the FTC for credit discrimination pursuant to the Equal Opportunity Credit Act Mission Consumer Protection Law 15 U.S.C. 1691-1691f Links XXXX XXXX XXXX XXXX XXXX This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit. 
I will also be taking action with the XXXX, and attorneys if need be. 
I do not want this to happen to other consumers, unfairly punished for being good customers, this is wrong. We need to stand for what is right.

Company response to consumer: Closed with explanation