Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
Consumer Complaint Regarding Capital One Account Closures ( Cards Ending in XXXX and XXXX ) To Whom It May Concern, I am submitting this complaint as a formal dispute regarding two Capital One credit card accounts that were closed within weeks of each otherdespite my demonstrated efforts to make consistent payments, cooperate in good faith, and maintain open communication with Capital One representatives. 



XXXX. Summary of the Accounts in Question Card Ending in XXXX ( Platinum ) : Capital One closed this card and marked the reason as suspected fraud. 
This followed XXXX payment attempts made between XXXX XXXX, 2025, where I attempted to transfer funds from my XXXX  ( XXXX XXXX XXXX ) account to my Capital One Bank account to cover the payment. The transfer failed due to a funds availability discrepancy despite showing available on my end. 
The final, successful payment was made shortly thereafter, which cleared the balance. 
I had opened a Capital One savings account specifically to transfer money and ensure the card was paid. 
Despite speaking with a Capital One banking department representative who agreed that I had made a good-faith attempt to pay and that the issue stemmed from how the system registered current vs. available funds, the card was not reinstated. 
The Capital One supervisor I spoke with about the XXXX card closure made an inappropriate, unprofessional remark about my financial status, stating, You shouldnt have tried to make a payment with insufficient funds. 
He further refused to acknowledge my explanation or transfer me to someone higher, despite my repeated request. 
Card Ending in XXXX ( XXXX, formerly XXXX Rewards ) : I had successfully paid off the card in full in XX/XX/XXXX, as evidenced in the XX/XX/XXXX statement. 
Despite this, Capital One placed the card in permanent restriction shortly afterwardagain, with no prior notification and no legitimate reason explained. 
When I called about this, I spoke with a female representative who was dismissive, refused to transfer me to a supervisor, and told me there was nothing to investigate. 
The explanation given was that I had been 180 days late more than once, yet reviewing my own account records and attached statements shows that I worked diligently to stay current after a brief period of hardship at the end of XXXX. 



XXXX. Documented Patterns & Financial Context No Notification Provided : In both cases, I was not notified prior to closure, which is a potential violation of adverse action requirements under FCRA Regulation B ( 12 CFR 1002.9 ), which mandates proper and timely disclosure of adverse actions affecting a consumers credit. 
In the case of the XXXX card, the adverse action notice only appeared in my account on XX/XX/XXXX, dated retroactively to XXXX XXXX the card was already closed. 
Pattern of Targeting One Consumer : These closures happened within 60 days of each other, which raises concern about targeting or biased system behavior. I have never been flagged for fraud before and take this classification as both personally and professionally damaging. 
XXXX, Bank Transfers & Supporting Documents : Transfers were made from my BCU account to my Capital One checking account. 
XXXX transfers between myself and my XXXX  ( XXXX ) are common and used to pay bills. XXXX payments to XXXX are rent payments to my mother. 
There is no pattern of fraudulent behavioronly a few failed transfers, which were addressed immediately and paid through different means. 
Payment Trends & Financial Life Events : I experienced job change and increased rent in late XXXX, as shown by rent payments to XXXX on statements. 
In XX/XX/XXXX, I had to purchase a new vehicle, which affected my ability to make a couple of payments. This is reflected by a XXXX XXXX charge. 
Despite these challenges, I quickly stabilized and made full payments again starting in XXXX. 
I also follow a XXXX-balance budgeting method, meaning I frequently transfer all funds out after making payments, which can make account balances appear lower than they are in practice. 



XXXX. Demonstrated Financial Stability & Creditworthiness I currently maintain multiple accounts in good standing : XXXX through XXXX : XXXX consecutive on-time payments, XXXX credit limit increases, and a pending interest rate reduction. 
XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : Approved in recent months, showing that other creditors see me as reliable. 
Credit Report ( Attached ) : Demonstrates more recent responsible use and repayment trends. 
These accounts further highlight the inconsistency and unfair treatment I received from Capital One. 



XXXX. Requested XXXX I am requesting the following : 1. Immediate reinvestigation and reinstatement of my accounts or full documentation of XXXX Ones rationale for closure, beyond vague claims of fraud or multiple delinquencies. 
XXXX. If reinstatement is not possible, I request that : The balances on both cards be paid off in full by Capital One, The accounts be removed from my credit report entirely to eliminate lasting damage, Capital One issue a formal apology for the inappropriate and dismissive treatment I received from their representatives. 



XXXX. Consumer Protection Violations Cited Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 : Protects against inaccurate and unfair credit reporting. Reporting closures without context may violate this.

Equal Credit Opportunity Act ( ECOA ) Regulation B ( 12 CFR 1002.9 ) : Requires a notice of adverse action with specific reasons within 30 days of account closure.

CFPB Complaint History Patterns : Multiple other consumers have faced similar issues, including vague fraud flags, lack of notification, and refusal to reinstate.

6. Final Notes I am a consumer who has acted in good faith to meet my obligations. Ive worked hard to stabilize my finances, maintain healthy credit habits, and rebuild from past challenges. These account closures were unwarranted and handled with an utter lack of professionalism. If not addressed directly, I reserve the right to pursue further legal review and public awareness options. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation