Credit card or prepaid card -- Other features, terms, or problems -- Complaint #4467850
Complaint Overview
Complaint ID: 4467850
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: Other problem
State: New York
ZIP Code: 10312
Date Received: 2021-06-16T12:00:00-05:00
Date Sent to Company: 2021-06-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have a Capital One credit card for about 4-5 years and have other credit cards as well. In the past 3 years, I have other credit cards, such as XXXX, XXXX, XXXX and XXXX XXXX and in those past years, I have been getting credit limit increases all the time without a problem since I have excellent credit. As being a Capital One customer for about 13 years, I would feel that they would give it to me with no problem. That is not the case. I have been declined 11 times in the past 3 years for every reason possible, to ; not enough experience with current credit line, which I had for over 3 years already, not enough payment to the account, which I pay way above the minimum payment and too many obligations, which I do, but my debt to income ratio is very low and I feel disgusted that they throw any excuse not to raise my credit limit. I have called multiple times about this and Capital One response is that they can't do anything, it's too bad. Now, I feel this is discrimination, in that they just don't care about me and ignoring the facts that I have excellent credit, excellent payment history and enough experience and they throw every excuse at me and now I feel this is discrimination. If this is not resolved, I will close all my checking, savings and all my other accounts with them since they do not value me as a good customer.
Frequently Asked Questions
What is Complaint #4467850 about?
Complaint #4467850 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 2021-06-16T12:00:00-05:00.
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.