Credit card or prepaid card -- Trouble using your card -- Complaint #5058174
Complaint Overview
Complaint ID: 5058174
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: Credit card company won't increase or decrease your credit limit
State: Ohio
ZIP Code: 45211
Date Received: 2021-12-30T12:00:00-05:00
Date Sent to Company: 2021-12-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have been a trusted member with capital one since XXXX. I have always made payments on time and most of the time I have paid in full. I requested an increase in XX/XX/XXXX and did not receive a response as to why my limit has not been increased. Upon submitting my request to increase I explained that I wound be making a major purchase in the future as well as using the card for travel. They have not provided me with a reason why via mail. The increase was never given and has not been reviewed. Today I am traveling and went to rent a vehicle and was turned down because my limit was not enough to be able to rent the vehicle. After being embarrassed I called to ask for a XXXXXXXX XXXX increase to cover the cost and was told there was nothing that could be done on their end. I have been with capital one as a customer since XXXX which is a considerable amount of time with on time payments and an XXXX score with very low debt to income I believe capital one is being bias towards me. I am submitting the complaint and would like an explanation from them regarding this unjust treatment.
Frequently Asked Questions
What is Complaint #5058174 about?
Complaint #5058174 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 2021-12-30T12:00:00-05:00.
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.