Credit card or prepaid card -- Trouble using your card -- Complaint #4495999
Complaint Overview
Complaint ID: 4495999
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Can't use card to make purchases
State: New York
ZIP Code: 11106
Date Received: 2021-06-27T12:00:00-05:00
Date Sent to Company: 2021-06-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have 2 Capital One Credit Cards. Earlier this year, I began to pay them off after they were past due. One of the cards I paid off in full as I had an immediate use for it. After paying the full balance, the card was unrestricted. I inquired about when the other card would lose its restriction as I was 2 months into making on-time payments well over the minimum due. I didn't get a proper answer and the rep told me they didn't have information on that at the time. This was in XXXX. I called today, XX/XX/21 to lift the restriction on the second card as it is paid off in full and has a {$0.00} balance. When I spoke with the rep today, I was told that my second card is restricted indefinitely. I asked if this meant the card was useless and they gave me a roundabout answer, so I asked if this means I would never be able to use the card again. I was told yes. I understand the payments were late, but I was never informed about an indefinite restriction placed on the card, even when asking about it a month prior. I'm now in a tighter financial situation, which I would not have been had I known I wouldn't be able to use the card since I would have made smaller payments.
Frequently Asked Questions
What is Complaint #4495999 about?
Complaint #4495999 was filed against Capital One Financial Corporation regarding Credit card or prepaid card specifically about Trouble using your card. It was received by the CFPB on 2021-06-27T12:00:00-05:00.
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.