Navkal Files Capital One Class Action Lawsuit Over Rewards Cancellations
Nikhil Navkal and NTech Consulting LLC filed a capital one class action lawsuit alleging Capital One unlawfully canceled credit card rewards earned by customers when it closed their accounts. The case was filed in the U.S. District Court for the Eastern District of Virginia and seeks class-wide relief for cardholders who say they lost rewards after account closures.
The complaint says the disputed rewards were earned through purchases on closed Capital One cards and were promised in the company’s form agreements and advertisements. The plaintiffs ask to represent anyone whose account was closed while the cardholder was not in default and who did not receive payment or redemption of all earned rewards, along with a New York subclass and a subclass of Capital One Spark Cash Plus cardholders.
NTech Consulting LLC v. Capital One N.A.
The case is NTech Consulting LLC, et al. v. Capital One N.A., 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.
Navkal said he and other cardholders were denied earned rewards after their accounts were closed. The complaint also says Capital One frequently cancels accounts and the rewards tied to them when the cardholder is not at fault, including when a card has been subject to fraud or unauthorized use.
Capital One Rewards Claims
The plaintiffs say Capital One was not allowed to take back rewards that had already been earned. They cite the complaint’s language that, “Pursuant to its rewards cancellation policy, Capital One frequently cancels credit card accounts and rewards earned on those accounts when the cardholder is not at fault, such as when the credit card has been subject to fraud or unauthorized use,” and that, “Even if plaintiffs were in default, which they were not, Capital One was not contractually allowed to unilaterally forfeit their earned rewards,”
The lawsuit alleges breach of contract, unjust enrichment, violations of New York General Business Law and the Equal Credit Opportunity Act, including Regulation B. It also requests declaratory and injunctive relief, statutory damages, exemplary damages and punitive damages for the named plaintiffs and all class members.
The filing follows a separate lawsuit from January 2025 that said Capital One left thousands of customers unable to access bank accounts, process payments or receive direct deposits for multiple days. This new case puts the dispute over rewards at the center of the bank’s account-closure practices, with the plaintiffs asking a court to decide whether earned points and cash can be forfeited after closure.
