Credit card -- Closing your account -- Complaint #19184427
Capital One Closes Hawaii Account, Customer Disputes Reason
Complaint Overview
Complaint ID: 19184427
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
State: Hawaii
ZIP Code: 96789
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
The consumer's dispute of the account closure reason suggests a potential disagreement over the terms of service or the validity of the company's stated reason for closure, which could lead to further action if unresolved.
Consumer Sentiment: mixed
Topics: Credit card account closure, Account dispute
AI Analysis
CFPB complaint 19184427 was filed against CAPITAL ONE FINANCIAL CORPORATION regarding Credit card (General-purpose credit card or charge card), specifically about "Closing your account". A Capital One credit card account in Hawaii was closed by the company with an explanation, and the consumer has disputed this action. The complaint was received on January 31, 2026 from Hawaii. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit card agreement for clauses related to account closure and understand the reasons provided by the issuer.
Legal Context & Consumer Protection Laws
Credit card companies have the right to close accounts, but the reasons for closure can be subject to dispute if they are perceived as unfair or inaccurate.
Regulatory Insight
Issuers must provide a valid reason for account closure, and if the consumer disputes this reason, it may indicate a failure to adhere to regulatory requirements or contractual obligations.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Hawaii, as elsewhere, credit card account closures are governed by federal and state laws, with consumers having recourse if they believe the closure was unjustified.
Industry Comparison
While account closures can happen across the credit card industry, the specific circumstances and the consumer's response will determine the outcome.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19184427 about?
CFPB complaint 19184427 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Closing your account", specifically "Company closed your account". This complaint was filed against CAPITAL ONE FINANCIAL CORPORATION on January 31, 2026.
Which company is complaint 19184427 filed against?
Complaint 19184427 was filed against CAPITAL ONE FINANCIAL CORPORATION. You can view all complaints against this company on their profile page at /company/capital-one-financial-corporation.
What was the company's response to complaint 19184427?
CAPITAL ONE FINANCIAL CORPORATION responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 19184427 filed?
Complaint 19184427 was received by the CFPB on January 31, 2026. It was sent to CAPITAL ONE FINANCIAL CORPORATION on February 2, 2026.
What state was complaint 19184427 filed from?
Complaint 19184427 was filed from Hawaii. You can view all complaints from this state at /state/HI.
Was the consumer satisfied with the resolution of complaint 19184427?
Dispute information is not available for complaint 19184427.
What product category is complaint 19184427 about?
Complaint 19184427 is categorized under "Credit card", specifically "General-purpose credit card or charge card". This is one of the product categories tracked by the CFPB.
How was complaint 19184427 submitted?
Complaint 19184427 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 19184427?
Credit card companies have the right to close accounts, but the reasons for closure can be subject to dispute if they are perceived as unfair or inaccurate. This relates to a Credit card complaint against CAPITAL ONE FINANCIAL CORPORATION involving "Closing your account".
How likely is complaint 19184427 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19184427?
This complaint is rated as medium risk. The consumer's dispute of the account closure reason suggests a potential disagreement over the terms of service or the validity of the company's stated reason for closure, which could lead to further action if unresolved.
What regulatory actions apply to complaint 19184427?
Issuers must provide a valid reason for account closure, and if the consumer disputes this reason, it may indicate a failure to adhere to regulatory requirements or contractual obligations. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 19184427?
Consumers should carefully review their credit card agreement for clauses related to account closure and understand the reasons provided by the issuer.
Are there state-specific protections for complaint 19184427?
In Hawaii, as elsewhere, credit card account closures are governed by federal and state laws, with consumers having recourse if they believe the closure was unjustified. This complaint was filed from Hawaii.
How does complaint 19184427 compare to industry norms?
While account closures can happen across the credit card industry, the specific circumstances and the consumer's response will determine the outcome.
What specific explanation did Capital One provide for closing the account?
The provided data indicates the account was 'Closed with explanation,' but the specific reason is not detailed. This information is crucial for understanding the validity of the closure.
What are the consumer's next steps if they disagree with Capital One's explanation?
The consumer can escalate the dispute with Capital One, file a complaint with the CFPB, and potentially seek legal counsel if they believe the closure was wrongful or violated their rights.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.