Credit card -- Other features, terms, or problems -- Complaint #8254994
Complaint Overview
Complaint ID: 8254994
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: Virginia
ZIP Code: 23112
Date Received: 2024-01-30T12:00:00-05:00
Date Sent to Company: 2024-01-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX of XXXX, I the consumer-initiated payment processed to satisfy debt with Capital One, at the time I had a credit card that was at limit and simply wanted to pay it off. As a consumer I sent in my remittance coupon and requested to either have the payment applied to the account. in addition, NOT to have account closed suspended or terminated or frozen. A few weeks later I received a notice on my credit report that an account has been closed. Without warning Capital One had closed my account. A week later a notice was sent stating that the account was closed due to activity not consistent with their expectation, and violation of agreement. I always paid my notices on time and proposed a settlement which the company decided not to accept. I, the consumer has not violated any terms of the agreement. I am filing this report due to account being wrongfully handled and now these actions have caused my family and I great deal of injury. Capital One has added fees since the account has closed. In addition, selling my consumer information to third party debt collectors! I am needing to get this matter rectified and removed from my credit report. As of XXXX this account has been charged off by capital one. I have sent correspondence to advise of opting out of sharing my information.
Frequently Asked Questions
What is Complaint #8254994 about?
Complaint #8254994 was filed against Capital One Financial Corporation regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2024-01-30T12:00:00-05:00.
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.