Checking or savings account -- Closing an account -- Complaint #17963608
Complaint Overview
Complaint ID: 17963608
Company: Capital One Financial Corporation
Product: Checking or savings account
Sub-Product: Checking account
Issue: Closing an account
Sub-Issue: Company closed your account
State: Montana
ZIP Code: 59718
Date Received: 2025-11-28T12:00:00-05:00
Date Sent to Company: 2025-11-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is my follow-up complaint because Capital One has not given me any path to resolve the verification issue and open a new checking account. My previous 360 Checking account was closed because Capital One stated that my contact information could not be verified. I fully respect the banks security process, but I was never given any opportunity to submit documents for manual identity verification. Every representative told me that my closure was permanent, even when I offered to upload or provide my valid ID, ITIN, passport, and proof of address. I want to clarify that I am not asking Capital One to reopen the closed account. I fully accept that the previous account can not be restored. Instead, I am asking for a chance to complete a proper identity verification review conducted by a human compliance officer, so that I can open a * * new checking account * * as a fully verified customer. I am a lawful resident of XXXX and can provide all required documentation at any time. The issue appears to be a false negative from Capital Ones automated verification system, and I simply need a manual review.
Frequently Asked Questions
What is Complaint #17963608 about?
Complaint #17963608 was filed against Capital One Financial Corporation regarding Checking or savings account specifically about Closing an account. It was received by the CFPB on 2025-11-28T12:00:00-05:00.
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 (Checking or savings account) 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.