Consumer complaint received 2026-03-19 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: GA

Complaint narrative:
Dear Capital One Account Review Department, I am writing to formally dispute the closure of my account and to request an immediate review and reinstatement based on the circumstances outlined below. I have been a Capital One customer for over XXXX ( XXXX ) years and have consistently maintained my account in good standing. My longstanding payment practice has been to schedule payments in alignment with my payday, based on Capital Ones stated processing timeframe of XXXX ( XXXX ) to XXXX ( XXXX ) business days. In or around XX/XX/XXXX, Capital One appears to have materially altered its payment processing practices, resulting in same-day processing. Critically, this change was not clearly disclosed, and the system continued to reflect a XXXX business day processing window. I reasonably relied on this representation when scheduling payments. On XX/XX/XXXX, I scheduled XXXX payments in the amounts of {$100.00} and {$50.00}. Due to the undisclosed change in processing timing, these payments were processed in a manner inconsistent with my reasonable expectations. I did not observe corresponding withdrawals on XX/XX/XXXX or XX/XX/XXXX, further contributing to confusion regarding the status of my account. Upon reviewing my account on XX/XX/XXXX, I observed discrepancies in the reflected balance. In a good-faith effort to ensure my account remained current, I scheduled an additional payment of {$1300.00} for XX/XX/XXXX. I subsequently complied with a request to verify my bank account and, to further mitigate any potential issue, initiated additional payments in the amounts of {$250.00}, {$78.00}, {$430.00} and {$350.00}. Despite these actions, my account was restricted and ultimately closed due to XXXX returned payments that for the last XXXX years has processed in XXXX business days but as of XX/XX/XXXX its same day processing. However, during a subsequent conversation with a Capital One Fraud Manager, I was informed that Capital One doesnt do Same Day processing and that the XX/XX/XXXX payments were processed on XX/XX/XXXX, and the XX/XX/XXXX payment was processed on XX/XX/XXXX. Based on my financial records, sufficient funds were available on those dates to cover the payments in question. At no time did I knowingly authorize payments without sufficient funds. To the contrary, my actions demonstrate a clear and consistent effort to satisfy my obligations and maintain my account in good standing. The adverse action taken appears to be the result of undisclosed processing changes rather than any misconduct or negligence on my part. Additionally, this closure has caused significant financial harm, including a huge drop in my credit score due to the substantial reduction in my overall length of credit history. Accordingly, I respectfully request : 1. A full investigation into the payment processing timeline and any discrepancies associated with my account ; by either speaking with my bank and/or Bank Statements to prove that the funds were available XX/XX/XXXX and XXXX. 2. Written clarification regarding the processing changes implemented in XX/XX/XXXX ; and 3. Immediate reconsideration and reinstatement of my account based on my history and the facts presented. 4. A call back from a management. Please be advised that I am prepared to provide supporting documentation, including bank records, to substantiate that funds were available on XX/XX/XXXX and XX/XX/XXXX all relevant times. Please give me a call at XXXX. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation