Credit card -- Improper use of your report -- Complaint #18002357
Complaint Overview
Complaint ID: 18002357
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: New York
ZIP Code: 115XX
Date Received: 2025-11-29T12:00:00-05:00
Date Sent to Company: 2025-11-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
- they advertised were going to check to see if I was pre-approved with no impact to my credit score - then Capital One did a hard ( pull ) inquiry on my credit with all 3 credit bureaus - then they asked me to send them 2 bank statements, 2 check stubs and my W-2 's from last year??? I have good credit .. cards with XXXX XXXX 2 with XXXX XXXX cards and a XXXX plus another one with XXXX Bank XXXX they never ask me for all of this?? So I stop filling out the short form and don't intend to them my W-2 'S and 2 bank statements
Frequently Asked Questions
What is Complaint #18002357 about?
Complaint #18002357 was filed against Capital One Financial Corporation regarding Credit card specifically about Improper use of your report. It was received by the CFPB on 2025-11-29T12:00:00-05:00.
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.