Originally Posted by netuser900

I signed up with a Capital One card a little over a year ago and have been accumulating miles with them since then..

I accumulated over 275,000 miles and then one day I went to use my card and it came back as declined and all my miles were gone when I logged in online.

I was notified they had closed the account and with that closure of the account they had a right not to provide the reward miles earned to me.

I had a lawsuit my company was involved in over 11 years ago.. although absolutely nothing has happened to me since I signed up with the account last year.

I have no late payments and did nothing on my end to cause my account closure. When I called on the phone, I talked to multiple individuals working there and supervisors and all of them refused to provide details.

They simply indicated they made the decision to close my account and the terms of service 'allowed' them to close my account at any time and not provide the miles to me.

This is just a warning for anyone considering a Capital One card. They can and will close your account for no reason and take your miles away if they see you have accumulated too many of them.

That's the only reason I am thinking, as I had a perfect standing account and always paid my bill on time, with a perfect credit score and rating. I have a $0 balance with them and they refuse to provide any reason at all as to why my account was canceled, other than 'they made an executive decision' to close the account.

Ask yourself. Is this a credit card company you want to use for miles, when they can cancel your account at anytime and steal your hard earned miles?

Atleast with the other mileage programs, you keep the miles. Capital One can close the account without notice and you lose them all.. 275,000 in my case, for nothing I did and no reason at all.

Attached is the generic letter I received.
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I have never posted to this forum, although I have been viewing posts over the past few years as a guest.. Since I can understand the concern about legitimacy from this as this being my first actual post here, I have attached a letter that was sent to me confirming what I said above.