Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CFPB Complaint Formal Statement of Record Complainant : XXXX XXXX Creditor : XXXX XXXX Bank ( USA ), N.A. 
Date : XX/XX/XXXX Subject : Systemic Billing Malpractice, Violation of the Fair Credit Billing Act, and Deprivation of Access to Undisputed Credit Demand for Immediate Regulatory Action To Whom It May Concern : This is a formal complaint and legal notice concerning Capital One Bank ( USA ), N.A.s willful and negligent violation of federal billing law, including but not limited to the Fair Credit Billing Act ( 15 U.S.C. 1666 ), the Truth in Lending Act ( 15 U.S.C. 1601 ), and related consumer protection statutes.

Undisputed Material Facts : I filed a formal dispute with Capital One regarding a charge from a specific merchant. Following that dispute, Capital One unilaterally and without adequate notice applied a purchase adjustment of - {$3100.00}, which artificially erased {$490.00} in legitimate, non-disputed charges ( e.g., groceries, transportation, other charges ), and froze my credit line by reducing my available credit to {$0.00}. 

As a result of their internal processing actions : I was blocked from making payments on my entire undisputed balance, I was unable to schedule future payments, and I was exposed to the risk of late fees, interest, and credit reporting harm due to circumstances entirely outside of my control. 
These actions are in direct contravention of 15 U.S.C. 1666 ( c ), which guarantees consumers the right to pay undisputed amounts while disputes are under investigation.

I have suffered substantial financial hardship as a result of Capital Ones conduct. This includes : Inability to pay my valid, essential expenses, Financial instability resulting from my account being improperly frozen, Exposure to downstream consequences ( e.g., late bills, declined transactions ). 
Moreover, this has caused significant emotional and psychological distress. The uncertainty, denial of credit access, and repeated failures in communication and resolution have been severely disruptive to my daily life, health, and financial security. 

Systemic Error and Demand for Acknowledgment I request that the CFPB require Capital One to formally acknowledge that this was the result of a systemic error in their dispute and payment processing systems, and that it resulted in unlawful interference with my right to pay my undisputed obligations.

Furthermore, Capital One must clarify : How the - {$3100.00} adjustment was applied, Why it interfered with unrelated, non-disputed transactions, And how such actions align with the disclosure and transparency standards mandated by 12 C.F.R. 1026.7 ( Regulation Z ).

Legal Reservation of Rights Let this filing serve as written notice that I do not waive any legal rights or remedies available to me under state or federal law, including the right to pursue civil action, small claims relief, or statutory damages under 15 U.S.C. 1640 ( a ). I also affirm that Capital Ones credit card agreement does not contain a mandatory arbitration clause, and as such, I retain my full right to litigate this matter if required. Why {$54.00} only was applied to my available credit today. I should not have to pay interest on my non disputed charges. I should be able to pay the {$490.00} in full, without touching the credit balance. My credit limit is {$500.00}. Not {$54.00}. Capital one advised that there has been a system error and they could not allow me to pay the full {$490.00} without touching the purchase adjustments, which leaves capital one in direct violation of federal law and breaching their very own cardholder agreement. Capital one has been advised to submit a release to my email in order to avoid legal action along with the requested amount to release Capital one deposited into my 360 checking account ending in XXXX by XX/XX/XXXX. 

Relief Requested : Immediate restoration of my ability to pay the {$480.00} in non-disputed charges. 
A full accounting of how Capital One applied the - {$3100.00} purchase adjustments. 
A written guarantee that I will not be subject to any adverse interest, fees, or credit reporting stemming from their internal handling errors. 
Formal acknowledgment that this situation resulted from a system error, not consumer fault. 
This complaint is filed under penalty of perjury, and all facts can be independently substantiated by written records, billing statements, and documented correspondence. Ive communicated with XXXX XXXX XXXX XXXX XXXX  XXXX ) From Capital One. I received a notice that she would be returning my email and has not. Capital one attempted to resolve the systemic issue but has bot been able to separate my disputed charges from my non disputed charges as of today XX/XX/XXXX. Capital one had until XX/XX/XXXX. Again, I advised capital one to send their release to XXXX, XXXX, XXXX along with the amount Im settling this breach of capital ones cardholder agreement. Capital one was advised to send a release and deposit the requested settlement funds into my XXXX checking account ending in XXXX immediately to resolve this breach of cardholder agreement and I can move forward from this. Let this filing serve as formal and express notice that I am not waiving, relinquishing, or limiting in any capacity my right to initiate legal proceedings against Capital One Bank ( USA ), N.A. I expressly reserve all rights, claims, and remedies available to me under applicable federal statutes, state consumer protection laws, and common law doctrines, including but not limited to : The Fair Credit Billing Act ( 15 U.S.C. 1666 et seq. ), The Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), State unfair or deceptive acts and practices statutes ( UDAP ), and Tort or contract-based claims arising from negligent misrepresentation, breach of fiduciary duty, unjust enrichment, and constructive fraud. I am not acting as my own lawyer. Capital one has already been advised that I am in Consultations with prospective council for the merchant in dispute that involves this matter. I am not asking anyone to legally represent me in this matter upon filing this complaint.

Furthermore, I affirm that Capital Ones consumer credit card agreement does not contain a binding mandatory arbitration clause, and therefore, I retain the unrestricted legal right to seek adjudication in a court of law, including individual or class-based litigation. Capital One paid one of my disputes without my permission or knowledge while knowing that I have pending legal action against The Merchant. Im uploading documents that are screenshots and created from my XXXX  ; not a computer. 

This complaint is submitted solely to facilitate regulatory review and intervention, and shall not be construed as a waiver of legal claims or the exclusive jurisdiction of any competent court of law. 

XXXX XXXX XXXX Capital XXXX Account Ending In : XXXX

Company response to consumer: Closed with explanation