Checking or savings account -- Opening an account -- Complaint #4989791
Complaint Overview
Complaint ID: 4989791
Company: Capital One Financial Corporation
Product: Checking or savings account
Sub-Product: Checking account
Issue: Opening an account
Sub-Issue: Confusing or missing disclosures
State: Ohio
ZIP Code: 45212
Date Received: 2021-12-08T12:00:00-05:00
Date Sent to Company: 2021-12-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I attempted to apply for a CapitalOne checking account. I was prompted by the system that something went wrong. I was invited to apply again. After several unsuccessful attempts I finally called CapitalOne. I was told that I had actually been denied an account. There was no explanation as to why. I did not receive any communication from CapitalOne as to what consumer reports were used in the decision. I was told the decision was final and there was no further information available other than that I've been denied an account. I was also told that I am not entitled to know why I was denied an account, but without that information, how can I dispute any inaccurate or outdated information? I was told this stemmed from an account in XXXX. That seems outdated, but again, I was told I could not be furnished this information. I'd like my rights under the FCRA respected. I was not told what information was used against me in this decision. I was not told which consumer reports, if any, were used in this decision, meaning I can not request a free copy of any reports used. I was told I did not have a right to know what's in my file ( e.g., what information/accounts CapitalOne was referring to ), only that the decision was final. Again, I can not ask for a credit score, because I do not know what consumer reports were used.
Frequently Asked Questions
What is Complaint #4989791 about?
Complaint #4989791 was filed against Capital One Financial Corporation regarding Checking or savings account specifically about Opening an account. It was received by the CFPB on 2021-12-08T12:00:00-05:00.
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 (Checking or savings account) 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.