Payday loan, title loan, or personal loan -- Getting a line of credit -- Complaint #4901597
Complaint Overview
Complaint ID: 4901597
Company: Capital One Financial Corporation
Product: Payday loan, title loan, or personal loan
Sub-Product: Personal line of credit
Issue: Getting a line of credit
State: Pennsylvania
ZIP Code: 191XX
Date Received: 2021-11-11T12:00:00-05:00
Date Sent to Company: 2021-11-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I XXXX XXXX consumer, natural person an Original Creditor of an open-end credit plan was denied my right of credit by Capital One was notified of the transgression of my rights specifically 15 usc 1601 The Truth In Lending Act by Capital One On XX/XX/XXXX via US mail according to 15 usc 1602 definitions of the Truth In Lending Act I as a natural person possessing an open end credit plan was harmed by Capital One adverse action taken against me denying my rights. And in Capital Ones Response to my consumer credit application Capital One also discriminated and discouraged me an applicant from applying for an extension of credit by noting in there letter that they are taking adverse action on the grounds of a consumer report that was provided to them by a consumer reporting agency called Early Warning Services which is a direct violation of 15 usc 1681m ( C ) ( i ) ( I ), ( ii ) which states that grounds for an adverse action can not include or be on the grounds of information in a consumer report, and can not be based off of information solely as to transactions or experiences between the consumer and the person furnishing the information. Capital one is now civilly liable for discrimination and discouraging me the consumer pursuant to 15 usc 1691e ( a ), ( b ) ; and Capital one is criminally liable pursuant to 15 usc 1611 for failure to disclose the cost of consumer credit pursuant to 15 usc 1611 and owes {$5000.00}
Frequently Asked Questions
What is Complaint #4901597 about?
Complaint #4901597 was filed against Capital One Financial Corporation regarding Payday loan, title loan, or personal loan specifically about Getting a line of credit. It was received by the CFPB on 2021-11-11T12:00:00-05:00.
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 (Payday loan, title loan, or personal loan) 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.