Capital One is facing a new capital one class action lawsuit that says the bank unlawfully canceled credit card rewards customers had already earned. The case was filed by NTech Consulting LLC and Nikhil Navkal in the U.S. District Court for the Eastern District of Virginia.
The complaint says Capital One canceled credit cards and rewards under an undisclosed rewards cancellation policy, including in cases where cardholders were not at fault. The plaintiffs say that happened even when cards were subject to fraud or unauthorized use, a dispute they say affects people who still should have received rewards in cash or miles.
The proposed class covers cardholders whose Capital One accounts were closed while they were not in default and who did not receive all earned rewards. The suit also seeks to represent a New York subclass, along with consumers who held Capital One Spark Cash Plus cards and customers whose accounts were canceled because Capital One said it had observed activity inconsistent with typical account usage.
According to the complaint, Capital One promised rewards in form agreements and advertisements, making the cancellations a breach of contract as well as unjust enrichment. The plaintiffs also accuse the bank of violating New York General Business Law and the Equal Credit Opportunity Act, including Regulation B, and they are asking for declaratory, injunctive, statutory, exemplary and punitive damages.
They have demanded a jury trial in Case No. 3:26-cv-00308. The plaintiffs are represented by Gregory S. Duncan, Daryl F. Scott, Joseph P. Guglielmo, Anjori Mitra and Joseph S. Tusa.
The filing lands after a separate lawsuit last year over claims that Capital One left thousands of customers unable to access bank accounts, process payments or receive direct deposits for several days in January 2025. This new case is narrower, but it presses the same broad question of whether the bank’s customer controls and account actions left people without the money or benefits they were told they had already earned.
That issue is what will matter most as the case moves forward: whether the contracts and ads promised those rewards in a way Capital One could not later take back once the accounts were closed. If the plaintiffs can prove that point, the bank could be forced to defend a rewards policy that, they say, was hidden from customers until after the money was gone.