Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Sent XXXX additional Emails to XXXX XXXX ( Capital One CEO ) and other Board Members for Final Escallation for Resolution. I spoke over the phone to several Managers in the Virginia Office to escallate as well. Subject : Follow-Up : Urgent Request for XXXX Intervention XXXX XXXX Account XXXX XXXX XXXX XXXX Dear XXXX XXXX, XXXX hope this message finds you well. I am writing to respectfully follow up on my prior correspondence sent on Thursday regarding my Capital One Venture X account, as I have not yet received a response. This matter remains unresolved and continues to significantly impact my ability to access both my credit line and approximately XXXX earned rewards miles. As previously outlined, despite maintaining excellent credit standing and promptly fulfilling all verification requestsincluding extensive financial documentationmy account remains restricted without clear explanation. Given my imminent travel in XXXX and the considerable time and effort already invested in attempting to resolve this through standard and escalated channels, I respectfully request your assistance in facilitating a timely resolution. Specifically, I am seeking : Immediate removal of the restriction on my account Full restoration of my Venture X credit card access Confirmation that my accrued rewards remain intact and available I have demonstrated full transparency and cooperation throughout this process and remain hopeful that Capital One will address this matter with the urgency and fairness it warrants. Thank you again for your time and attention. I would sincerely appreciate any support you can provide in bringing this issue to resolution. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Formal Email Sent : XX/XX/XXXX Subject : Urgent Request for XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Dear XXXX XXXX, I am writing to respectfully request your assistance with an urgent issue involving my Capital One XXXXXXXX XXXX credit card account that remains unresolved despite extensive efforts on my part. I was approved for the Capital One XXXX XXXX credit card in XX/XX/XXXX and have since maintained exemplary credit behavior, including an XXXX score and consistently paying my balances in full. In preparation for upcoming travel in XX/XX/XXXX, I made approximately {$10000.00} in qualifying purchases and was credited approximately XXXX miles in XX/XX/XXXX. Immediately following payment of my full balance, my account was unexpectedly restricted. A routine purchase was declined, and I subsequently learned that I could no longer use my card or access the rewards I had earned. Since that time, I have contacted Capital One more than XXXX times and have fully complied with every request for documentation, including : Notarized bank statements ( past XXXX months ) XXXX months of payroll direct deposit records Pay stubs confirming Income Verification XXXX XXXX documentation also confirming Income Verification Supporting documentation reflecting fund allocation Despite these efforts, my submissions have been repeatedly denied without clear explanation, and my account remains restricted. This situation has caused significant disruption. I am currently unable to : Use my credit card for purchases for several months Access or redeem approximately XXXX earned miles Rely on Capital One for my financial needs I have escalated this matter through standard channels, including Consumer Affairs, but given my imminent travel and the length of time this has already taken, I am requesting XXXX review. I respectfully ask for your assistance in ensuring : XXXX. XXXX removal of the restriction on my account XXXX. Restoration of full access to my XXXX XXXX credit card XXXX. Confirmation that my earned rewards remain available I value transparency, fairness, and accountability in financial relationships, and I hope Capital One will address this matter promptly and equitably. Thank you for your time and consideration. I would greatly appreciate your assistance in resolving this issue.

Company response to consumer: Closed with explanation