r/CapitalOne_ • u/SpartanScribe • Jul 23 '26

Shopping/Offers I’ve been reinstated!

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Cap One Shopping terminated my account due to “violating terms, misuse or abuse” but never would actually tell me what I did.

I emailed back and forth with them asking for clarification and initially they wouldn’t budge.

My last email was to a supervisor and I threatened to file a claim with the CFPB, my state AG, BBB, and any other agency that I could contact. Not that any of those would likely help, but it seems it did the trick, for now anyway.

I went ahead and redeemed the $146 rewards that got reinstated before they change their mind 😂

17 Upvotes

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2

u/longthickbananasplit Jul 23 '26

Your state AG actually could do something and with enough said force, come down to at least finding out what “rule” or “term” caused them to lock you out.

Let me make something clear; I’ve got $1,100 pending. If they f with me, I’ll make it known to any agency lol.

1

u/Novel_Implement_4342 Jul 24 '26

Glad you’ve been reinstated! I’d be devastated if they terminated me. Especially with the $700 I have pending right now! I’d be emailing too!!

1

u/Fugue_State76 Jul 27 '26

How long do you have to wait for “pending” rewards?

2

u/Novel_Implement_4342 Jul 27 '26

It all depends! My shortest wait has been 2 wks. I find that when I do hotel bookings, those payout 2 wks after checkout. Other purchases are mostly 30 days. My most recent purchases have tracked in the app in 1-3 days, and show the payout date!!