Credit card or prepaid card -- Closing your account -- Complaint #4519671
Complaint Overview
Complaint ID: 4519671
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Company closed your account
State: Mississippi
ZIP Code: 38654
Date Received: 2021-07-06T12:00:00-05:00
Date Sent to Company: 2021-07-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/XXXX all four of my capital one credit cards were restricted. I contacted capital one to see what the issue was, and I was transferred to the fraud department and told that I needed to provide proof of all my authorized users that are on 1 of my four credit cards. I was told to provide a front and back copy of their driver license and a copy of their social security card. I uploaded everything on the upload portal as requested. Unfortunately, the portal only allowed certain sized documents to be uploaded so I was concerned about whether everything was uploaded successfully or not. After calling to confirm that everything was successfully uploaded, I was told that it would take 7-10 days to process this information and was then told that I would be contacted if any additional information was needed. I was never contacted and every time I called the company about the status of my " case XXXX '' I was given different responses. One person told me that It was still being investigated and to try calling back. Another person told me that all of my accounts were closed for violation but was unable to provide me any details about the violation. The last time I spoke with someone I was told that a case manager would contact me regarding the status of my case. I have not heard anything from anyone. Yesterday, I received an alert from XXXX XXXX, and XXXX saying that all four of my capital one accounts were closed by the creditor. I'm beyond confused and highly upset that adverse actions were taking on me for just adding close loved ones to my account in efforts of teaching them how to properly use and manage credit cards. I've been a customer with capital one since XXXX and feel blatantly disrespected. I also don't understand why all of my accounts were closed without justification.
Frequently Asked Questions
What is Complaint #4519671 about?
Complaint #4519671 was filed against Capital One Financial Corporation regarding Credit card or prepaid card specifically about Closing your account. It was received by the CFPB on 2021-07-06T12:00:00-05:00.
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 or prepaid 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.