Consumer complaint received 2025-12-09 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: NY

Complaint narrative:
* * Complaint to the Consumer Financial Protection Bureau ( CFPB ) * * * * Subject : * * Unfair Closure and Restriction of Capital One Credit Cards Without Explanation * * Description : * * I am writing to formally complain about the recent closure and restriction of my Capital One credit card accounts without any clear explanation or valid cause. 

I had XXXX Capital One accounts : a secured XXXX credit card and a newly approved XXXX secured card. I was approved for the XXXX card after submitting the required security deposit, and I received the new card in the mail. However, shortly after receiving the XXXX card, my secured XXXX credit card was restricted from use and subsequently closed, along with the new XXXX card. 

At no point was I provided with any explanation or reason for these actions. This sudden closure has caused significant inconvenience and confusion, especially since I complied with all requirements and maintained my accounts responsibly. 

I believe these account closures and restrictions were unfair and without proper cause. I request a thorough investigation into this matter and a clear explanation from XXXX XXXX regarding the reasons behind these actions. I also seek assistance in resolving this issue, including the possibility of reopening my accounts or receiving appropriate compensation for the disruption caused. 

I have held a Secured Platinum credit card since XX/XX/XXXX, and was recently approved for a XXXX credit card on XX/XX/XXXX. I have documentation, including pictures and statements, to verify these dates and approvals. 

However, in XX/XX/XXXX, without any prior notice, explanation, or legitimate reason, both my Secured Platinum and QuickSilver accounts were closed. I did not receive any communication regarding the closures, and despite multiple attempts to seek help from the issuer, no one has provided assistance or clarification. 

This sudden and unexplained action has caused significant inconvenience and potential harm to my credit standing. I request a thorough investigation into this matter, a clear explanation for the account closures, and assistance in resolving this issue promptly. 

Thank you for your prompt attention to this serious matter. 


* * Account Information : * * - Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX - Contact Number : XXXX - Email : XXXX - Account Numbers ( last XXXX digits only ) : [ XXXX ] ( Platinum secured card ), [ XXXX ] ( XXXX secured card ) * * Actions Taken : * * - Contacted Capital One customer service multiple times but received no satisfactory explanation. 
- Reviewed account statements and found no irregular or suspicious activity. 

* * Desired Resolution : * * - A clear explanation for the account closures and restrictions. 
- Reinstatement or reopening of my accounts if possible. 
- Compensation or remedy for any damages or inconvenience caused. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation