Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
See, CFPB case XXXX ; Capital One responded there is there is an unauthorized third party on XX/XX/XXXX. That is incorrect, the complaint was written in third person and clearly on the complaint section it states that the complaint was submitted by the XXXX consumer. The complaint was improperly closed. CFPB exective managemnet informed this consumer " myself '' yesterday XX/XX/XXXX to re-open this case under a new complaint stating the same. I am then copying the information from the other complaint so that Capital One does not close out this complaint as this is submitted by the individual and not an unauhorized third-person party. Capital One is headquartered in XXXX, Virginia at Capital One XXXX XXXX, XXXX Capital XXXX XXXX, XXXX, VA XXXX, United States ; whereas this consumer closed out his revolving credit line/credit card with the account ending in : XXXX XXXX and who was informed his remaining awards balance of {$1.00} would be automatically mailed out upon the account closing in XX/XX/XXXX. On XX/XX/XXXX this consumer called back to Capital One credit card services to express issues of which no check for the amount was received and spoke with a representative named [ XXXX XXXX who assured the customer that the check would be mailed out in XXXX or XXXX billing cycles. On XX/XX/XXXX this consumer called back to Capital One to disenroll from services which he had not opted for and also to inquire about the refund check amount non-receipt. Who was informed that XX/XX/XXXX was a deadline to request said funds. This consumer was then informed of past call in attempts and misinformation and then Capital One explained there was nothing they could do, the consumer requested a transfer to a XXXX who was then placed to XXXX who again stated there was nothing they could do. This consumer explained the situation again and demanded a higher echelon review from XXXX and was placed on a long hold and then an account XXXX by the name of XXXX addressed the issue and placed on subsequent holds and said the same but yet the information is incorrect and XXXX put a case in the system that the representative XXXX misspoke. Nonetheless, this consumer argued twice he had already attempted to collect his awards remaining balance prior to XXXX. XXXX became combative with this consumer. A case was created XXXX. XXXX by Capital One who said a review would take place and then XXXX to XXXX days for a follow-up call or email for an exception. That the representative gave incorrect information. I am due {$1.00}. This matter captions the potential of Capital Once whom consumers close out their accounts with remaining awards balances who are misled and deceived and that their awards balances may be unlawfully taken instead by Capital One. This advises on a potential large scale deception in the millions very likely. This information is provided to CFPB, financial watchgroups, law firms, regulatory agencies for review and actions to facilitate enforcement/litigation and to contact this consumer for said interest in joining. The basis that it took XXXX separate employees to discredit this consumer to collect his remaining funds are mere tactics to brush off and deceive, let down hope for consumers to recoup their monies and instead are held XXXX for profits by Capital One. This also leans on consumer advocacy groups to investigate.

Company response to consumer: Closed with explanation