Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #17996358
Complaint Overview
Complaint ID: 17996358
Company: Capital One Financial Corporation
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Texas
ZIP Code: 77075
Date Received: 2025-11-28T12:00:00-05:00
Date Sent to Company: 2025-11-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Misleading pre-approval offer resulted in unauthorized hard credit inquiry On XX/XX/year>, I received a Capital One mail offer stating no impact to your credit score until you accept. I scanned the XXXX code on the offer to check pre-approval only, not to submit a full credit card application. The website did not clearly disclose a hard credit inquiry would be performed, and I was instantly denied. I never accepted any credit terms and I was not given any clear consent popup before the inquiry occurred. The offer did not include any required disclosures. Customer service claimed a hard inquiry disclosure existed during the application, but my mailed offer contained no such disclosure, and the XXXX code directed me straight to the form. This violates : The Fair Credit Reporting Act ( lack of clear consent ) Truth in Lending and Truth in Advertising standards I am requesting : Removal of the unauthorized hard inquiry from all credit bureaus Review of misleading pre-approval advertising practices Attachments : Photo of the offer letter with no impact to your credit score until you accept Screenshot showing reservation code became invalid after automated denial Screenshot of hard inquiry on my credit report
Frequently Asked Questions
What is Complaint #17996358 about?
Complaint #17996358 was filed against Capital One Financial Corporation regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-11-28T12:00:00-05:00.
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 reporting or other personal consumer reports) 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.