Credit card or prepaid card -- Getting a credit card -- Complaint #4651302
Complaint Overview
Complaint ID: 4651302
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: Delay in processing application
State: California
ZIP Code: 92117
Date Received: 2021-08-21T12:00:00-05:00
Date Sent to Company: 2021-08-21T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I applied for a small business credit card thru Capital One. I was emailed by the company requesting documents to verify my SSN and ID. I sent these via a portal. I receive a letter saying the documents were not sufficient. I called, was told what the prior documents were lacking ; so I uploaded additional documents, with the specified information. My application time period was about to expire and I had not received any notifications. I waited 3.5 hrs on the phone waiting to talk to someone. 4 representatives gave me different answers as to what was wrong with my application and I'm still not sure what the actual problem was. However, the 5th representative admitted that I was not sent a notification the second time, to let me know the company still did not think I had submitted adequate documentation. They admitted that without knowing my application was incomplete, my application time would have expired. They RAN MY CREDIT but were not going to let me properly apply for the credit card. They did not say there was any process in place to fix this oversight. And, they would not give me another link, thru which to upload additional documents.
Frequently Asked Questions
What is Complaint #4651302 about?
Complaint #4651302 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 2021-08-21T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with non-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.