Credit card or prepaid card -- Trouble using your card -- Complaint #5241913
Complaint Overview
Complaint ID: 5241913
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: Massachusetts
ZIP Code: 02119
Date Received: 2022-02-20T12:00:00-05:00
Date Sent to Company: 2022-02-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Ive had a Capital One Credit card with Capital One Bank since XXXX. Ive only had an increase in balance one time for XXXX and that was 4 years ago. Ive had more than 100 successful payments. I used it over 30 percent of the balance but it was mostly during the pandemic and always paid 80 percent of the entire balance off at once and didnt have a carry over balance. Ive had two big salary increases from my employer over the last three years and the last one was on XX/XX/XXXX. Each time Ive asked for an increase, it was silent as empty box. They never could tell me why, and I never receive any information as to why. I never have gotten a letter, email or text stating that I dont qualify. It has said only, its being reviewed and someone will get back to me shortly. A year or more I asked and, just on Sunday, XX/XX/XXXX I asked and still the same message. This is keeping my credit from rising. All of my other credit cards have over XXXX limits. And its oddly strange that Capital One will not budge. Im really starting to feel like Im being discriminated against. Everything this company is questionable. This is what prompted me to close out my checking and savings account with them. Is this against the law? It wasnt every month out of 4 years that my balance was over 30 %.
Frequently Asked Questions
What is Complaint #5241913 about?
Complaint #5241913 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 2022-02-20T12:00:00-05:00.
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.