Credit card -- Advertising and marketing, including promotional offers -- Complaint #17996414
Complaint Overview
Complaint ID: 17996414
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: Florida
ZIP Code: 33702
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2025-11-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I received a promotional email from Capital One Shopping titled " Activate Rewards on items like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' The email was personalized, stating " You last viewed XX/XX/XXXX '' for this specific product, and offered 22.5 % in rewards ( up to {$1000.00} ) on a XXXX XXXX deal, with an " Unlock Your Offer '' button. The email specified that to qualify, I must click the offer button and complete the purchase at the merchant 's site in the browser within XXXX hours. Relying on this offer, I clicked the " Unlock Your Offer '' button on or around XX/XX/year>, and proceeded to purchase the exact promoted item through the Capital One Shopping App XXXX XXXX XXXX XXXXXXXX XXXX XXXX graphics card ) from XXXX XXXX for {$990.00} plus Florida sales tax. I completed the purchase in the same browser session, using an eligible payment method ( credit card, not gift cards or rewards ), with no coupons outside those provided by Capital One Shopping, and no modifications, cancellations, or returns. Shortly after, I received a notification that the purchase was " ineligible '' for rewards. On XX/XX/year>, I contacted Capital One XXXX support regarding this ( case # XXXX ). They responded the same day via email from a customer service agent, providing a list of generic reasons for ineligibility ( e.g., excluded item, expired offer, ineligible payment ) without specifying which applied, and stated they could not review order details until after 30 days from the purchase date. They requested an itemized receipt for further review after that 30 day period - meaning the appeal can not be made until after the return window has closed. The email promotion featured this graphics card prominently and the offer link took me directly to the specific product 's page, but the fine print excluded " computer cards & components, '' which this item appears to fall under, creating a misleading impression. I would not have made this purchase without the promised 22.5 % rewards, as it was induced by the targeted offer.
Frequently Asked Questions
What is Complaint #17996414 about?
Complaint #17996414 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 non-monetary relief". 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.