Credit card -- Advertising and marketing, including promotional offers -- Complaint #17924519
Complaint Overview
Complaint ID: 17924519
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-Issue: Didn't receive advertised or promotional terms
State: Washington
ZIP Code: 99362
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2025-11-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because Capital One advertised a promotional credit card offer on their website that they refused to honor after I applied and was approved. When I applied for the card, Capital Ones website clearly displayed an offer that included 0 % APR and a 20,000-mile bonus after spending {$500.00} within the first three months of account opening. These terms were prominently shown and were a major factor in my decision to apply for the card. After being approved, I contacted Capital One to confirm that both promotions were active on my account. During this call, I was informed that neither promotion had been applied, despite the fact that I applied based on the advertised offer. I asked to speak to a supervisor, who told me that Capital One would not be applying the promotions, even after I explained that they were advertised at the time of application. When I requested to speak to a manager or further escalate the matter, I was told that they would not be transferring me and that there was nothing they would be doing. This appears to be deceptive and misleading advertising, and it caused financial harm because I applied for a product under terms that Capital One refuses to provide. This conduct violates consumer protection principles and potentially the Truth in Lending Acts requirements for clear and accurate disclosure of credit terms.
Frequently Asked Questions
What is Complaint #17924519 about?
Complaint #17924519 was filed against Capital One Financial Corporation regarding Credit card specifically about Advertising and marketing, including promotional offers. It was received by the CFPB on 2025-11-30T12:00:00-05:00.
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.