Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One closed all my accounts no notice not call no explanation. Had cards before my bankruptcy in XXXX and XXXX cards after. What they have done will destroy my life. 
My credit destroyed at XXXX XXXX XXXX trying to help raise XXXX grandchildren. I have had capital one accounts for probably 20 years. NEVER missed a payment on cards before bankruptcy or after. Did lose my son during covid, my veteran husband and I got XXXX, hospitalized, both out of work for long timve. Widowed daughter in law diagnosed with XXXX and hospitalized and out of work. Hence a bankruptcy had to be filed after trying everything under the sun to avoid it. 

I have NEVER missed a payment on ANY of the cards up to having to file bankruptcy or after. Not a one. I currently have XXXX cards. Capital One solicited for quite a while for me to add an authorized user. I finally did to ONE card. The lowest credit limit card. I did, and requested they set it up so that it could NOT go over the limit. I kept it locked if it got high. I NEVER used it, only authorized user did. Recently at the request of my authorized user I requested to switch the payment method to the authorized users name and account. They took the information and processed the payments. My authorized user took the children to a fun park ( I think it was XXXX XXXX ). They spent more than they thought so asked me to make another payment. I did from her authorized account. She never went over the posted available credit. 

For some reason the payments didn't go through. I called immediately. They told me the account came up invalid. I varified the numbers and they said they would reprocess them. Again they came back invalid account. NOT unavailable. My authorized user is an XXXX XXXX XXXX XXXX  at XXXX. Finally I gave them the information over again to make sure correct. I don't know if they posted yet. With no call or notice to me all accounts were closed. The dates I called were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I asked why closed and not call, they gave me no answer. I asked them if they could leave them open and just lock them -- not destroy my credit. They said they couldn't. They transfered me to Fraud, then excalated me to higher fraud, not one could give me a reason why. They confirmed my credit history perfect but still not explanation. I told them to look at the number of attempts I made to get to the bottom of the problem, including adding anther account of mine. 

I had to remove my Police and XXXX XXXX as it was compromised by an identy theft. My social was used to file XXXX, XXXX, and XXXX tax returns and collect unemployment in Ohio. I added XXXX XXXX XXXX as well as the XXXX account. 

I need this corrected and they can remove the authorized user THEY asked me to add. 

I am still working to make sure the payments from XXXX get applied as well as an explanation as to what the problem was. I do not deserve to have my credit destroyed because of their lack of investigation.

Company response to consumer: Closed with non-monetary relief