Consumer complaint received 2025-12-31 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: NY

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding XXXX XXXX handling of my credit card account, which was recently restricted and then closed despite my compliance with all verification requests and a perfect payment history. 

Account Background I have maintained multiple Capital One accounts, all in good standing, with no late payments. 
XXXX account was restricted and later closed after Capital One requested income verification. 
At the time of closure, the account had a positive balance ( credit owed to me ) exceeding {$300.00}, which Capital One continues to withhold. 

XXXX XXXX XXXX Capital One requested income verification and asked for XXXX months of pay stubs, which I provided. 
I stated my annual income as over {$100000.00}. 
The XXXX months of documentation provided equated to approximately {$96000.00} annualized, which is reasonably consistent with my stated income. 
Despite this, Capital One claimed my income could not be verified and closed the account. 

I later contacted Capital One to recover the funds owed to me and was told I must submit the same bank statements and documentation again, despite already having done so. 

Communication and Process Concerns I received conflicting explanations from different Capital One agentssome stating the verification was for identity, others stating it was for income. 
Communication barriers with customer service agents made it difficult to obtain accurate, consistent information. 
I had recently changed banks from XXXX Bank XXXX XXXX XXXX XXXXXXXX, which contributed to delays in providing complete statements, a fact I explained during the process. 

Credit Impact The closure of this account may negatively impact my XXXX score, despite my flawless payment history and compliance with all requests. 
I was not offered any reasonable alternative or clarification prior to closure. 

Disparate Treatment Concern Based on my income level, credit profile, and payment history, I believe I may have been subject to disparate treatment in credit limits and account handling. 
Despite a XXXX income and perfect payment history, my credit limits were significantly lower ( {$200.00} {$500.00} ) than what is typically offered to similarly situated consumers. 
I am concerned that race may have played a role in the credit limits assigned and the decision to close my account after documentation was provided. 

I am not asserting this as fact, but I am requesting that this concern be formally reviewed as part of this complaint. 

Requested Resolution I respectfully request the following : XXXX. Immediate release of the funds owed to me from the closed account. 
XXXX. A written explanation detailing why my income documentation was deemed insufficient. 
XXXX. Confirmation of whether the account closure will be reported to credit bureaus, and if so, reconsideration or correction. 
XXXX. A review of whether XXXX XXXX actions complied with fair lending and anti-discrimination laws. 

I am prepared to provide any additional documentation necessary and request that this matter be reviewed by a senior resolution or compliance team. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX XXXX digits of XXXX XXXX and last XXXX of credit card XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation