Credit card -- Trouble using your card -- Complaint #10942970
Complaint Overview
Complaint ID: 10942970
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Can't use card to make purchases
State: New Jersey
ZIP Code: 07030
Date Received: 2024-11-26T12:00:00-05:00
Date Sent to Company: 2024-11-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have the Capital One One Spark Credit Card, and this card does not give me a traditional credit limit, instead it says very plainly " there is no preset spending limit '', however, once I spent {$10000.00} on it, I was unable to spend any more money on it, upon calling and speaking with Capital One customer support today, XXXX, XXXX : XXXX. They are telling me that there is in fact, a secret preset spending limit that they are not advertising. This was never made available to me, the consumer, that there was in fact a preset spending limit, despite being told specifically that 'there is no limit '. I want this language stricken from this, its extremely misleading.
Frequently Asked Questions
What is Complaint #10942970 about?
Complaint #10942970 was filed against Capital One Financial Corporation regarding Credit card specifically about Trouble using your card. It was received by the CFPB on 2024-11-26T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Capital One Financial Corporation?
Yes, visit the Capital One Financial Corporation company profile at readthecomplaint.com/company/capital-one-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.