Payday loan, title loan, or personal loan -- Getting a line of credit -- Complaint #5157043
Complaint Overview
Complaint ID: 5157043
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: New Jersey
ZIP Code: 08104
Date Received: 2022-01-27T12:00:00-05:00
Date Sent to Company: 2022-01-27T12:00:00-05:00
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 claim myself and no third party is involved. I, XXXX XXXX, natural person, and creditor of an open ended credit plan was denied my right of credit by CAPITAL ONE. ( name of corporation according to the logo attached to the transgression. See attachment. ) I was notified of this transgression of my rights, specifically 15 USC 1601- T.I.L.A, by CAPITAL ONE on XX/XX/2022 via interstate commerce. According to 15 USC 1602, I as a natural person possessing an open-end credit plan was harmed by CAPITAL ONEs adverse action taken against me resulting in no benefit to me, the consumer from the credit transaction. CAPITAL ONE adverse action against me, denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to 5000.00. CAPITAL ONE is now civilly liable to pay me for the damages.
Frequently Asked Questions
What is Complaint #5157043 about?
Complaint #5157043 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 2022-01-27T12:00:00-05:00.
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 (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.