Credit card -- Closing your account -- Complaint #18939658
Complaint Overview
Complaint ID: 18939658
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Can't close your account
State: Texas
ZIP Code: 78748
Date Received: 2026-01-22T12:00:00-05:00
Date Sent to Company: 2026-01-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
In XX/XX/XXXX, I paid my Capital One credit card account in full, as shown by payments made on XX/XX/XXXX ( {$200.00} ) and XX/XX/XXXX ( {$170.00} ), which eliminated the principal balance. Despite the account being paid in full, Capital One continued to assess residual interest starting XX/XX/XXXX and for multiple subsequent billing cycles ( XX/XX/XXXX through XX/XX/XXXX ). During this period, past-due fees were also assessed even though no principal balance remained. This practice effectively made it impossible to fully close the account without additional intervention and appears to be an unfair and predatory billing practice, as interest continued to accrue after payoff without transparency. When I discovered the balance in XX/XX/XXXX, I had no reliable way to determine the correct payoff amount. The amount shown in the Capital One app differed from the amount stated by a phone representative, who provided only an estimate. On XX/XX/XXXX, I attempted multiple times to make payment by phone ; each attempt was disconnected before payment could be completed. During XXXX call, after I stated I intended to record the conversation solely for documentation and confirmation of payment, the call was immediately disconnected. No secure messaging option was available. I then made an online payment of {$46.00} on XX/XX/XXXX, in good faith, based on the information available to me, to resolve the balance as quickly as possible. Despite my prompt good-faith efforts, the account was restricted and negative credit information was reported. The negative impact resulted from continued interest assessment after payoff, conflicting payoff information, and inability to complete payment by phone, not from refusal or failure to pay.
Frequently Asked Questions
What is Complaint #18939658 about?
Complaint #18939658 was filed against Capital One Financial Corporation regarding Credit card specifically about Closing your account. It was received by the CFPB on 2026-01-22T12:00:00-05:00.
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.