Consumer complaint received 2024-04-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2024 Capital One XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : Account ending in XXXX Capital One Case : XXXX CFPB Case : XXXX Subject : Revocation of Security Interest, Power of Attorney, and Request for Reversal of Account Closure opportunity to cure... 

Dear Sir/Madam, I am writing to formally revoke any security interest and power of attorney that Capital One NA may hold in relation to my account and to address the recent closure of the said accountXXXX XXXXXXXX Breathing Name XXXX  : XXXX XXXX and my account number ending in XXXX It has come to my attention that my account with Capital One NA was closed without justification, causing harm to my financial well-being and creating unnecessary distress. As such, I hereby revoke any security interest or power of attorney that Capital One may have held in connection with my account. 

Furthermore, I want to highlight that the consumer credit contract was signed electronically, and it is considered securities fraud because its a bartered transaction to hold the instrument that provided interest to the account. I believe that the closure of my account without valid reason is a breach of our agreement and may constitute fraudulent activity on the part of Capital One. And I will notify the IRS and file a complaint with the OCC and FDIC Capital One , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The sudden closure of my account has had a detrimental impact on my financial affairs, which goes against the terms outlined in the consumer credit contract. I have always upheld my end of the agreement by fulfilling my obligations in a timely manner and abiding by the terms and conditions set forth by Capital One. 

I kindly request that you review the circumstances surrounding the closure of my account and consider reinstating it without limitations or adverse effects to my credit. I expect Capital One to respect my rights as a consumer and to address this matter promptly and fairly. 

I urge you to acknowledge the harm that has been inflicted upon me and to take the necessary steps to rectify the situation. 


Please be advised that any security interest or power of attorney previously granted to Capital One is hereby revoked, effective immediately. 

Your prompt attention to this request is greatly appreciated. 

Thank you for your cooperation and understanding. 

Sincerely, Living XXXX XXXX XXXX XXXX XXXX : Pursuant to the Equal Credit Opportunity Act ( ECOA ), it is expressly prohibited for any creditor to engage in discriminatory practices against any applicant in relation to any facet of a credit transaction. Discrimination on the basis of race, color, religion, national origin, XXXXex, marital status, age ( given the applicants legal capacity to enter into contracts ), reliance on public assistance income, or the exercise of any rights under the Consumer Credit Protection Act is strictly unlawful. Any violation of these provisions may result in legal consequences and penalties as stipulated by relevant laws and regulations. You have 10 days to reissue the card and reverse your illegal decision or you will be accepting the terms and conditions of Live life XXXX XXXX : Sovereign Living Beneficiary of Trust Estate XXXX XXXX XXXX

Company response to consumer: Closed with explanation