Consumer complaint received 2025-01-17 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: TX

Complaint narrative:
Since XX/XX/XXXXXXXX  Capital One restricted access to my XXXX ending in XXXX. They requested a copy of my identity documents, proof of residency and 3 most recent bank statements. I provided them all of those items. 
On XX/XX/XXXX I spoke with a supervisor named XXXX and discussed the timeline of events and how I was told one thing by one supervisor on XX/XX/XXXX named XXXX and then told something completely different from another representative named XXXX on XX/XX/XXXXXXXX  and then something different on XX/XX/XXXX by XXXX, and then something different on XX/XX/XXXX from XXXX and something different on XXXX/XXXX/XXXX with XXXX and again something different with XXXX and XXXX on XX/XX/XXXX and that Capital one has been giving me the complete run around regarding lifting the restriction on my account. I was given contradictory information about what was needed, being told that I had provided everything and then being told I needed more, etc. 

I told XXXX on XX/XX/XXXXXXXX  on the recorded phone call that if Capital One can not seem to make up their mind or adhere to the same request to close my Capital One Account. 

On XX/XX/XXXXXXXX  Capital One closed my account ending in XXXX and placed a remark on my credit report indicating that it was closed at the credit grantors request, which is erroneous, because it was supposed to be closed by the consumers request, the request I made on XX/XX/XXXX. 

Additionally, I was told by another supervisor named XXXX on XX/XX/XXXX that after reviewing the notes in the account capital one had sent me out a letter I hadnt received yet and that it stated capital one was closing my account because capital one observed the account was used inconsistently to other accounts. XXXX then said this is a general letter sent out and is sent out when capital one observes returned payments or frivolous disputes being filed and he said there are absolutely none of those present on your account. He said he was going to send a note to the back office to look into this further. 

I called capital one back again on XX/XX/XXXX and spoke with XXXX a supervisor in the fraud department who said the note sent to the back office had been responded to and there was no change to capital one 's reason for closure of my account. 

So they have closed the account based on reasons that are only known to me by reasons in a default closure letter. They have closed the account for false reasons and they will not even provide me with the actual reasons that they had. This goes against the Equal Credit Opportunity Act ( ECOA ). Capital One has denied me of my private statutory right to receive the specific details that they are alleging I did, Capital one is depriving me of the educational benefit of such information, and the ability to engage in the informed use of credit. Capital One has deprived me of the opportunity to correct any misinformation that it may have acted on. And Capital one has wrongly remarked my account to the credit bureaus XXXX, XXXX and XXXX to make it appear as if I have done something wrong and they are defaming my name to other creditors under false pretenses.

Company response to consumer: Closed with explanation