Credit card or prepaid card -- Getting a credit card -- Complaint #4434496
Complaint Overview
Complaint ID: 4434496
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Application denied
State: Texas
ZIP Code: 75227
Date Received: 2021-06-05T12:00:00-05:00
Date Sent to Company: 2021-06-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX and XX/XX/XXXX CAPITAL ONE denied me credit. On XX/XX/XXXX CAPITAL ONE stated the reason for their decision was : Based on your application information, application submitted is incomplete or can not be verified. On XX/XX/XXXX CAPITAL ONE stated the reason why they couldnt match me with an offer because : income is insufficient for amount of credit requested. Credit is a right, not a privilege. Pursuant to 15 USC 1602 ( g ) and 15 USC 1635, I have a right to extend and rescind credit. Also, pursuant to 15 USC 1691-Scope of Prohibition ( a ) Activities constituting discrimination : it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. If I exercise ANY RIGHT, CAPITAL ONE is not allowed to deny me for credit. Credit means the right granted. Pursuant to 15 USC 1602 -Definitions and rules of construction CAPITAL ONE has to be granted permission from the ORIGINAL creditor ( which is me- the original creditor, natural person, organization, consumer, creditor, and person ). On XX/XX/XXXX CAPITAL ONE left an inquiry on my consumer reports. That is a violation of the FCRA. I did not give CAPITAL ONE permission to check my consumer reports nor did I initiate any transaction with CAPITAL ONE.
Frequently Asked Questions
What is Complaint #4434496 about?
Complaint #4434496 was filed against Capital One Financial Corporation regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2021-06-05T12:00:00-05:00.
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 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.