Consumer complaint received 2025-12-22 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: NJ

Complaint narrative:
I have two credit cards with Capital One with credit card account number XXXX. I open up this account in XXXX. It is {$1000.00} secure credit card I have made over {$8000.00} in payments. Ive never missed a payment I never was late on a payment however, I was having problems with my external bank XXXX  XXXX XXXX with transferring my funds to an account that they informed me it would take one to two business days so I will schedule a credit card payment with Capital One the third or fourth business day when Capital One took or tried to take the money out the funds were not available. This happened a couple times. Therefore I came up with an idea to open up a Capital One check in and save his account which took 10 business days in order to get approved due to some fraud activities that was on my profile years ago that I didnt know about however they approved me for savers account since then my payments have been on time. No payments has been kicked back. I got another secure credit card for {$500.00} account XXXX. I am making payments with Capital One check-in and save this account as well is to the point that the check-in and savers account are not allowing me to add money onto the account before I got approved for the checking account. Capital One denied me several times therefore I was only able to use my XXXX XXXX external account and other external accounts to make my payments when I inform Capital One that Im only need a checking account because the savers account that they gave me is not allowing me to make instant transfers from other accounts that I have and I informed them that I will only be using Capital One savings and checking account just to make my credit card payments in the meantime, payments are getting kicked back and account number ending in XXXX when I got approved for capital one checking account. The problem has stopped. I am making my payment good and on time and set. I am overpaying my accounts and I never missed a payment. I have a total of {$900.00} ended in account number XXXX just yesterday I withdraw {$100.00} out the ATM for some reason {$100.00} payment in account ended in XXXX got sent back. I had the money into my Capital One savers account. Therefore I dont have no idea why it got sent back so this morning Sunday they closed both of my accounts including account ending in XXXX. That has the {$900.00} available credit limit still in there. This is gon na cost me foreseeable pain and suffering for the simple fact, I have a contract with Aviss rental car that allows me to go back-and-forth to work because my car is down they put {$860.00} that was pending back into my account and Capital One is same to me I have to wait 5 to 10 business days to get this money refunded back to me in a paper check which is gon na cost me not to only pay for my rental car at XXXX, but its gon na cost me to lose my job and everything because that credit card that I have was the credit card getting me my vehicle so I can get back-and-forth to work. I havent had a problem with credit card ended in XXXX ever since I got the check and savers account but due to the new account of a payment that got sent back ended in XXXX they took action enclose both of my accounts with money still in there. This disclosure of my account ended in XXXX is gon na cause my life to go all the way downhill I have explained this to capital one even the XXXX was curious that it shows that Ive been making payments not just on time but overpayments havent missed not XXXX payment and why did the other account infect the other one and its gon na cost me pain and suffering because I have to wait 10 business days for that {$900.00} to come back to me in the paper check form and that wasnt how the payment was given. The payment was given strictly off of my Capital One card so therefore Im gon na have {$900.00} thats just not gon na be available and its gon na cost me to be default. Cost me my job cost me with bad problems with XXXX rental car and everything. I explained this to Capital one that why would they treat me like this when they see? Im a valuable customer and a manager couldnt believe it so I had no choice but they contact

Company response to consumer: Closed with explanation