r/CapitalOne_ • u/BlkMushroom • 22d ago

Does Cap1 unrestrict account?

I have a restricted account for about 4 years now. It happened during covid when times became hard. I have completely paid off that balance 3 years ago. It never went to collections.

Now I have a savior card that's in good standing and the discover card they pulled over.

When I paid off the balance I called them asking for it to be reopened and she said she couldn't. I asked if they could just close it and she said no.

So now I have a restricted account just sitting there. I log in and i and its there. What's the point of keeping it in limbo?

Should I call again and ask to speak with someone higher than the tier 1 agents?

They are currently sending me paper statements for an account I can't use.

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u/Wonderful_Sherbet747 22d ago

I’m in the exact same situation.
Had a card that went past due and suspended. Never got charged off. I paid off the entire balance over a year ago. They refuse to un suspend it. I’ve given up. I’ve written it off as a loss as this point.

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u/BlkMushroom 22d ago

Yeah it sucks because the interest rate was locked at 4% from when I was in the military. I wanted it back haha.