Needless to say, I feel like you definitely "advocate for your customers". So thank you Capital One, as a former customer I'd like to express my sincere gratitude for all the "help" you provided me. I asked how the company can have a strict policy while also making exceptions and got no answer. When I asked if they could possibly make an exception in this case, she went back to the "strict policy" story. When I asked why I wasn't told how strict the policy was over a month ago when this whole thing started, I was told that they can always "make exceptions" and "try to advocate for their customers". However, I was informed that Captial One has a "strict policy" regarding returned payments. Explained again that I could provide those documents and I would gladly pay the balance down as much as necessary if it meant the account could be reopened. I explained, again, the entire ordeal that I've made weekly payments on the card and never had any late payments or other issues besides returned payments because of my bank. After 3 hours on the phone, waiting on hold as I was transferred from department to department, I finally spoke to someone who told me that the account closure was permanent and there's nothing they can do. I finally contacted them myself today after 5 weeks. The agent told me that she would elevate the issue to the proper department, and they would reach out to me in 7 to 10 days. I explained that it was a banking issue, and I could provide documentation saying as much. I called them about 5 weeks ago to address the problem and I was told that it was closed due to multiple returned payments. There were 2 payments that were returned due to issues with my bank and because of those returned payments Captial One decided to close my account. I made a total of 18 payments during those 3 months, never even having a payment come due, let alone go past due.
I owed a total of 3 payments during the time I had the account open for May, June and July. and made weekly payments on it to keep the balance down and have funds available. Since I used it for most everything, I linked the card to be used for most of my bills, insurance, gas, subscriptions, etc. Opened a new credit card at the end of April 2022 and used it regularly for most purchases to earn points.
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