Credit card or prepaid card -- Other features, terms, or problems -- Complaint #4349272
Complaint Overview
Complaint ID: 4349272
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Problem with balance transfer
State: New York
ZIP Code: 11235
Date Received: 2021-05-04T12:00:00-05:00
Date Sent to Company: 2021-05-04T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2021 I opened secured credit card in Capital Ona bank. I put {$200.00} security deposit as a transfer from my XXXX XXXX deposit account. It was accepted by Capital One. On XX/XX/XXXX, I received credit card. I followed instructions to activate it online, but activation failed. I called customer service and they told me they need to verify my ID. I have SSN, valid US EAD and valid XXXX passport but none of these documents were recognized by Capital One. They said they need driver license or state ID. I do not have these types of ID and asked to close my account and return {$200.00} security deposit back. They said it will be returned in a term of 2 billing cycles. My money were never returned to me. No update was provide ether. Today, XX/XX/XXXX, I called Capital One and they said they can not return my money because my account is locked and they need to verify my ID. I provided photos of front and back of my valid EAD but they refused to recognize it again. They refused to return my money back. I tried to escalate but was a dead end. They said they use barcode reader and it doesnt read EAD barcodes .... This doesnt sound like valid legal argument. Basically they refuse to recognize government issued ID. Please help me to get my money back. My customer number : XXXX XXXX XXXX Capital One case number : XXXX XXXX Employee ID I spoken to : XXXX
Frequently Asked Questions
What is Complaint #4349272 about?
Complaint #4349272 was filed against Capital One Financial Corporation regarding Credit card or prepaid card specifically about Other features, terms, or problems. It was received by the CFPB on 2021-05-04T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with 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 or prepaid 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.