Consumer complaint received 2025-08-04 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: MA

Complaint narrative:
Capital One Financial Corporation XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : FORMAL DISPUTE - Account Ending in XXXX Improper Fraud Designation and Account Closure Request for Immediate Correction Under FCRA Dear Capital One Executive Team, I am writing to formally dispute the improper closure of my Quicksilver Secured Credit Card account ending in XXXX and the erroneous fraud designation placed on my account. Your actions constitute multiple violations of federal consumer protection laws, and I demand immediate correction.

FACTUAL BACKGROUND On XX/XX/2025, I attempted to make a payment to my Capital One credit card. Due to my documented XXXX, I inadvertently entered incorrect banking information when setting up the payment. Your system processed this payment attempt and subsequently sent me an email notification acknowledging that the payment failure was likely due to a " typo '' - your own words. 
However, despite your own acknowledgment that this was an innocent mistake, your company proceeded to : 1. 2. 3. 4. Close my credit card account Designate the incident as " fraud '' Send me a " fraud letter '' dated XX/XX/2025 Refuse to allow cancellation of the duplicate payment through your mobile application CAPITAL ONE 'S CONTRADICTORY ACTIONS Your own documentation proves this was not fraud : 1. 2. Email Acknowledgment : Your system automatically sent me an email stating : " A recent attempt to make a payment or send money to or from your CAPITAL ONE , NATIONAL ASSOCIATION account ending in XXXX resulted in a return from your financial institution. This can happen if your CAPITAL ONE , NATIONAL ASSOCIATION account is closed, the account number was mistyped or the incorrect account type was selected. '' System Limitations : Your mobile application does not allow users to cancel pending payments, creating a situation where duplicate payment attempts are inevitable when mistakes occur.

3. Contradiction in Communications : You simultaneously acknowledged the error was likely a typo while labeling the same incident as fraud.

LEGAL VIOLATIONS Fair Credit
Reporting Act ( FCRA ) Violations 15 U.S.C. 1681s-2 ( a ) : Furnishing inaccurate information by labeling a known typo as fraud 15 U.S.C. 1681s-2 ( b ) : Failure to properly investigate disputed information 15 U.S.C. 1681m : Potential failure to provide proper adverse action notices Americans with Disabilities Act ( ADA ) Violations Failure to provide reasonable accommodation for my XXXX Discriminatory treatment based on a disability-related error Consumer Financial Protection Act Violations Unfair practices in account management Deceptive practices by contradicting your own acknowledgment of the error DOCUMENTED EVIDENCE I have preserved the following evidence : Screenshots of your fraud letter dated XX/XX/2025 Screenshots of account activity showing the returned payments Screenshots of your email acknowledging the likely typo Screenshots showing payment processing and account restriction Documentation of your app 's inability to cancel payments DEMANDS FOR IMMEDIATE ACTION I demand that Capital One immediately : 1. 2. 3. 4. 5. 6. 7. Remove all fraud designations from my account and credit files Reopen my Quicksilver Secured Credit Card account with full functionality Correct any negative reporting to credit bureaus regarding this incident Provide written confirmation that no fraud has been reported to any agency or credit bureau Issue a formal apology acknowledging your error in judgment Compensate me for damages caused by this improper action Update your systems to prevent discrimination against customers with XXXX XXXX ACCOMMODATION REQUEST As an individual with XXXX, I formally request reasonable accommodations in your payment processing systems, including : Enhanced verification processes for payment information Clear confirmation screens before processing payments Ability to cancel payments within a reasonable timeframe CONSEQUENCES OF NON-COMPLIANCE If Capital One fails to correct these violations within 30 days of receipt of this letter, I will : 1. File formal complaints with : o Consumer Financial Protection Bureau ( CFPB ) o Federal Trade Commission ( FTC ) o Office of the Comptroller of the Currency ( OCC ) o State Attorney General 's Office 2. Pursue legal action under : o Fair Credit Reporting Act ( statutory damages up to {$1000.00} plus actual damages ) o Americans with Disabilities Act o State consumer protection laws 3. Document this matter in public reviews and consumer advocacy forums LEGAL NOTICE This letter serves as formal notice under the Fair Credit Reporting Act and other applicable consumer protection laws. I am prepared to provide additional documentation as needed and expect your full cooperation in resolving this matter promptly. 
Your company 's own acknowledgment that this was likely a typo makes the subsequent fraud designation both legally indefensible and factually incorrect. I trust you will act swiftly to correct this error on your part

Company response to consumer: Closed with explanation