Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am submitting this urgent supplement to correct factual misunderstandings in Capital One 's handling of my accounts and demand immediate relief based on demonstrated violations of federal consumer protection law.

EFTA/ Regulation E Violation : Capital One unlawfully executed a debit reversal totaling {$680.00} from my checking account ( XXXX ) on XX/XX/year>. This action violated 12 CFR 1005.11 ( d ) ( 2 ) by failing to provide the mandated written explanation and notification prior to executing the debit reversal of the provisional credit. This procedural failure is actionable regardless of the underlying fraud claim.

TILA / Regulation Z / UDAAP Violations : Capital One is illegally penalizing me for a legitimate billing dispute. My credit card disputes were based on Non-Receipt of Property or Services ( Reg Z 1026.13 ( a ) ( 3 ) ), not unauthorized use. Despite my account being explicitly marked " restricted and past due '' and " Your card can not be used '' on the XX/XX/year>, XXXX statement and the XX/XX/year>, XXXX statement, Capital One assessed a total of {$50.00} in late fees and accrued interest. This practice of preventing payment while simultaneously imposing punitive fees is an Abusive Practice ( UDAAP ) and violates TILA 's prohibition against collecting disputed amounts.

Identity Obstruction Violation : Capital One continues to obstruct my identity restoration by requiring the stolen physical Driver 's License for account protection activation, despite my status as a federally verified identity theft victim ( FTC Report # XXXX ) and the submission of legally compliant alternatives ( XXXX  Clearance Letter ).

II. Detailed Breakdown of Regulatory Failures A. Checking Account Reversal : Procedural EFTA Violation ( Account XXXX ) The failure of the {$680.00} provisional credit reversal on XX/XX/year>, to comply with proper procedure is the direct cause of my current financial insolvency. This reversal, related to XXXX ( XXXX ) international transfers, is procedurally defective.

Violation Cited : 12 CFR 1005.11 ( d ) ( 2 ) requires the financial institution to notify the consumer with a written explanation of its findings, and notify them of the date the provisional credit will be debited, giving the consumer time to react. 
The Violation : Capital One failed to provide this mandated prior written notice before executing the multi-part debit reversal on XX/XX/year>. Capital One 's prior letter ( XX/XX/year> ) incorrectly stated the account had " no history of restrictions, '' which is a red herring ; the violation here is the XXXX procedural failure, which is actionable regardless of the underlying merits of the fraud claim and mandates the immediate reinstatement of funds. 
B. Credit Card Fees : TILA Billing Error and UDAAP ( Accounts XXXX and XXXX ) My dispute claims related to charges from XXXX and XXXX were explicitly filed as Non-Receipt of Property or Services, which is a billing error under Regulation Z, XXXX ( a ) ( XXXX ). 
Refuting Capital One 's Rationale : Capital One 's rejection of the XXXX dispute, citing that " another account user benefited from the transactions '', is a misapplication of TILA dispute procedures and irrelevant to a non-receipt claim. The underlying charges involved services that were allegedly " not delivered ... as agreed ''. Capital One 's attempt to conflate " fraud '' with " non-receipt '' improperly shifts the burden of proof to the consumer in a billing error dispute.

The UDAAP Penalty is Manifest : Capital One illegally assessed fees and interest on a disputed and restricted balance : QuicksilverOne ( XXXX ) : A {$25.00} Past Due Fee was posted on XX/XX/year>, and {$4.00} in interest accrued ( XX/XX/XXXX - XX/XX/year> ). 
XXXX ( XXXX ) : A {$25.00} Past Due Fee was posted on XX/XX/year>, and {$6.00} in interest accrued ( XX/XX/XXXX - XX/XX/year> ). 
Abusive Practice Defined : By restricting the accounts ( as explicitly noted on the statements ), Capital One prevented me from paying the outstanding balances, while simultaneously collecting punitive late fees and interest. This combination of preventing payment and simultaneously profiting from the resulting manufactured inability to pay constitutes an Abusive Practice ( UDAAP ).

Company response to consumer: Closed with explanation