Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for a credit card which they used to my pull a hard inquirys off my credit I then was approved sent in documentation that complied with the order was giving 10 day respond they never reach out I called them back they asked for my verification again and started discriminating against me because of my race and tone of voice they violated my rights and Ecoa and udapp Subject : Formal Legal Demand Retaliatory Account Closure Following Phone Dispute ( ECOA & UDAAP ) To Whom It May Concern, This letter serves as a formal legal demand regarding Capital Ones closure of my credit card account following a phone dispute with a Capital One representative on XX/XX/2026, at approximately XXXXXXXX XXXX 

The timing and circumstances of this closure raise serious concerns of retaliatory adverse action, failure to provide required notice, and unfair or abusive conduct, in violation of the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691, Regulation B ( 12 C.F.R. 1002 ), and the Dodd-Frank Acts UDAAP provisions ( 12 U.S.C. 5531, 5536 ). 

# # # Retaliatory Adverse Action ECOA Immediately following my phone conversation and dispute with a Capital One representative on XX/XX/2026 at approximately XXXXXXXX XXXX my account was closed without a clear, lawful explanation. 

ECOA prohibits creditors from taking adverse action against a consumer for exercising their rights, including disputing account issues or questioning creditor practices. The proximity between this phone dispute and the account closure strongly suggests that the closure was retaliatory in nature, which is prohibited under 15 U.S.C. 1691 ( a ) ( 3 ).

Additionally, Capital One failed to provide a compliant Adverse Action Notice identifying the specific and principal reasons for the account closure, as required by 15 U.S.C. 1691 ( d ) and 12 C.F.R. 1002.9. 

# # # UDAAP Unfair and Abusive Conduct Capital Ones conduct may also constitute unfair and abusive acts or practices, including : - Closing an account shortly after a consumer dispute with a representative - Failing to provide transparency or meaningful explanation for the closure - Using account closure in a manner that could reasonably deter consumers from exercising their rights- Causing financial and reputational harm without adequate justification Such actions are prohibited under federal law and undermine consumer protections.

# # # Demand for Resolution I hereby demand that Capital One take the following actions within 15 days of receipt of this letter : 1. Provide a written explanation detailing the precise reasons for the account closure 2. Produce a copy of any Adverse Action Notice allegedly issued 3. Confirm whether the decision to close my account was influenced by my phone dispute on XX/XX/2026 at approximately XXXX XXXX  XXXX. Preserve and review all call recordings, internal notes, and account decision records related to this matter XXXX. Correct or remove any negative or inaccurate credit reporting associated with this closure XXXX. Restore the account or confirm in writing that the closure will not adversely impact my credit profile If Capital One fails to respond adequately within the timeframe stated above, I am prepared to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and any other appropriate regulatory authorities. I reserve all rights to pursue remedies available under federal and state law. 

This letter is sent in good faith to resolve this matter without further escalation. 

Sincerely, [ XXXX XXXX ] [ ] [ XXXX, IL ]

Company response to consumer: Closed with explanation