Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
XXXX ( Capital One phone number used in threatening text XX/XX/XXXX ) XX/XX/XXXX Even my ability to text capital one has been blocked due to the wrongful and retaliatory restrictions placed on my account on XX/XX/XXXX. 
I am instructed to first contact the number listed above after which I am immediately transferred to XXXX XXXX XXXX XXXX XXXX Department and the process begins all over again ( SEE EVIDENCE BELOW ). 

XX/XX/XXXX Text Message @ XXXX PST Looks like theres an issue. One of your accounts may be restricted. Before we can chat, youll need to call customer service at XXXX. 

Called again regarding these very damaging restrictions on my account preventing me from making payments, using rewards for payment ( s ) on account balance, disputing fraudulent and duplicate charges on account, etc., all leading to additional damages, i.e. Late Fee ( s ), XXXX XXXX XXXX, default high interest rate ( XXXX ), wrongful/false adverse credit reporting, etc. 

XX/XX/XXXX XXXX PST For the very first time in XXXX, someone from Capital One ( XXXX unknown number called from ) finally called me back regarding the wrongful restrictions placed on my account. I am now getting threatening texts regarding my missed XX/XX/XXXX payment of {$830.00} that would have been allowed to remain had Capital One not falsely alleged I committed fraud when I rescheduled this payment and made the payment early on XX/XX/XXXX, after which, Capital One, negligently restricted my account and I in return reversed my FULL STATEMENT BALANCE PAYMENT of {$830.00} on XX/XX/XXXX after failing in my GOOD FAITH efforts to get Capital One to immediately remove these wrongful, damaging, and retaliatory account restrictions from XXXX. 

Again, Capital One, on XX/XX/XXXX, severely restricted my account subsequently preventing me from making ANY ON-TIME payments that have now directly resulted in additional Late Fee ( s ) ( {$25.00} ) and Interest Rate Charges/Fees ( {$54.00} ) being applied to my account and causing a much higher default interest rate and additional interest charged to my account. My account is now being negatively reported to the credit bureaus causing damage to my Credit Score and my ability to get additional credit and good terms for that credit. Capital One also prevented me from using my EARNED CASH BACK Rewards ( {$39.00} ) and applying my {$39.00} in REWARDS to my account statement balance and minimum payment ( {$25.00} ) due to avoid a {$25.00} per occurrence Late Fee ( Minimum Required Payment of {$25.00} due XX/XX/XXXX would have been FULLY paid using my {$39.00} in REWARDS had my account NOT BEEN WRONGFULLY RESTRICTED ). 

Capital One continues to prevent me from disputing the FULL account balance including specific and recent fraudulent and duplicate charges on my account. I DO NOT TRUST CAPITAL ONE with ANY of my financial data/information! 
I was told that the multiple separate XXXX XXXX XXXX formal/legal dispute documents I electronically provided Capital One, in my multiple & separate Formal Complaints regarding my wrongful account restrictions, ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) regarding my XXXX XXXX XXXX personal checking account reversal/recall of my BofA # XXXX XX/XX/XXXX FULL Statement Balance payment of {$830.00} to Capital One # XXXX were not sufficient to prove that I am the legal owner of the XXXX XXXX XXXX checking account ending in XXXX XXXX because the documents do not list my FULL XXXX XXXX XXXXXXXX checking account number XXXX There is a reason for this, and that reason is common sense account security which Capital One has poorly demonstrated/provided over the years. Just how many XXXX XXXX XXXXXXXX checking accounts ending in # XXXX, and initially set-up and used in the past as my own personal payment source account when this Capital One # XXXX credit card was activated and the online account set up, had their XX/XX/XXXX FULL Statement Balance payment of {$830.00} to Capital One # XXXX cancelled, rescheduled and immediately paid online XX/XX/XXXX, and then reversed/recalled/returned XX/XX/XXXX? 

I strongly contend Capital One is willfully and wrongfully retaliating against me by requiring me to provide additional information Capital One already has in its possession since a listed credit card payment source account, such as my XXXX XXXX XXXX  checking account ending in # XXXX, required I provide not only my FULL Checking Account Number but also the required routing number before said account could be used as a payment source account for my XXXX XXXX XXXX  XXXX account ending in # XXXX. Capital One is punishing me for filing complaints regarding their wrongful and illegal behavior regarding this matter! 

I am now being told by Capital One that I must provide hard copy personal XXXX XXXX XXXXXXXX checking account statements that fully show my complete XXXX XXXX XXXXXXXX checking account number ending in # XXXX and that clearly demonstrate that I am, as Ive stated to Capital One multiple times before from XXXX ( SEE Evidence Below ), the rightful and legal owner of this XXXX XXXX XXXXXXXX XXXX account ending in # XXXX before Capital One will even consider removing any of the wrongful restrictions negligently placed on my account. No guarantees Capital One will even remove these wrongful restrictions after I provide my personal checking account statements. I offered to verify the XXXX XXXX XXXXXXXX checking account information ( full account number and routing number ) but Capital One refused and stated that only copies of my personal checking account statements would suffice. When I asked Capital One to provide me with the disclosure information that requires the owner of a Capital One XXXX account to prove beyond a reasonable doubt that they are the legal owners of the accounts added/listed as Capital One bill payment sources, Capital One refused or otherwise could not provide this information. I was told Capital One could restrict my account for ANY reason and there was nothing I could do about it until I fully complied with their unlawful and wrongful additional requirements, i.e. Call XXXX XXXX XXXXXXXX ( 1-2 hours on hold ) and now provide my personal checking account statements. My personal checking statements, and the personal information contained therein, are none of Capital Ones XXXX business, and I am sure a court of law will most definitely agree.

Company response to consumer: Closed with explanation