Credit card -- Closing your account -- Complaint #17285787
Complaint Overview
Complaint ID: 17285787
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Company closed your account
ZIP Code: XXXXX
Date Received: 2025-11-16T12:00:00-05:00
Date Sent to Company: 2025-11-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
1. Account Closed Without Notice or Explanation Capital One closed my account without providing any advance notice, explanation, or adverse action notice as required under applicable consumer-protection regulations. I did not violate any terms of service, and I received no communication describing why my account was terminated. This lack of transparency has caused significant harm, including : Disruption of my credit-building plan Sudden loss of access to an active credit line Inability to obtain any account-related documentation from the bank 2. My {$1000.00} Security Deposit Has Not Been Returned This account was a secured credit card backed by my {$1000.00} security deposit. After the closure, Capital One has not returned my deposit, nor have they provided any timetable or confirmation of processing. Under standard secured-card procedures, the deposit must be refunded promptly once the account is closed and any balance is settled. Capital One has failed to do so and has not responded with any substantive update.
Frequently Asked Questions
What is Complaint #17285787 about?
Complaint #17285787 was filed against Capital One Financial Corporation regarding Credit card specifically about Closing your account. It was received by the CFPB on 2025-11-16T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Capital One Financial Corporation?
Yes, visit the Capital One Financial Corporation company profile at readthecomplaint.com/company/capital-one-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.