Credit card -- Getting a credit card -- Complaint #11303850
Complaint Overview
Complaint ID: 11303850
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Card opened without my consent or knowledge
State: California
ZIP Code: 92703
Date Received: 2024-12-27T12:00:00-05:00
Date Sent to Company: 2024-12-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally file a complaint regarding an unauthorized credit card account opened by Capital One under my name. On XX/XX/year>, I received an email from Capital One informing me that I was approved for a QuickSilver credit card account and that the card would be arriving in 7-10 days. This action was taken without my consent or authorization. I did not apply for this card, nor did I authorize Capital One to pull my credit. On XX/XX/year>, I called Capital One at approximately XXXXXXXX XXXX and spoke with a representative named XXXX. During our conversation, XXXX explained that the card was opened by Capital One because of my good behavior with their savor card ( a Capital One product I had already owned ) this action was part of what he referred to as an XXXX program, implying that Capital One was acquiring new customers from another bank or some similar initiative. However, this explanation does not justify opening a credit card account in my name without explicit permission. I believe this constitutes an unauthorized credit inquiry and account opening, both of which are violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I am concerned about the potential impact this could have on my credit score and personal financial security. I request the Federal Trade Commissions assistance in addressing this issue. Specifically, I would like : 1. A thorough investigation into Capital Ones practices regarding unauthorized account openings. 2. The removal of any credit inquiries or accounts associated with this unauthorized action from my credit report. 3. Assurance that Capital One will take corrective actions to prevent such unauthorized actions in the future. I am attaching all relevant documentation, including the email from Capital One and any communication records, for your reference. Please let me know if additional information is required.
Frequently Asked Questions
What is Complaint #11303850 about?
Complaint #11303850 was filed against Capital One Financial Corporation regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2024-12-27T12:00:00-05:00.
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.