Credit card or prepaid card -- Getting a credit card -- Complaint #5546595
Complaint Overview
Complaint ID: 5546595
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Delay in processing application
State: Indiana
ZIP Code: 462XX
Date Received: 2022-05-05T12:00:00-05:00
Date Sent to Company: 2022-05-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The end of XXXX I applied for a capital one business card, I already have XXXX other credit cards with them a credit card for XXXX I've had since XXXX and a Capital one XXXX for XXXX since XXXX. I applied for the business card for my XXXX business. When i applied through XXXX XXXX for the card, XXXX XXXX did most oXXXX XXXX, where i only had to fill in a couple of blanks. they approved me for the card XXXX limit and they also sent the card, with the card i got 2 other letters stating that those other XXXX accounts had been deactivated. the next day i recieved a letter stating that the business card i was just approved for deactivated also. the letters gave a number and also had 3 different case numbers. they stated that it was a concern about Fraud and needed to verify information. XX/XX/XXXX I sent in 3 most recent bank statements and proof of my business, i did that a couple days later i was told to send in my ss card and ID front and back. i done that, next couple of days heard from the person who stated that they were over the account and she never ask for ss card or ID, at that point i stated that if capital one did not want me to have a business card then that was fine, and i was just wanting to know about my other XXXX cards, i have also contacted XXXX and they letter i got back was the same stating fraud and information needed. they were stating my bank statements were not real until i had a rep call the bank and i verified information so the rep could get info on bank statements and they recieved the same 3 month statements, Now they are saying they want my personal bank statements. I have already been approved for the card and its on my capital one account and on my credit. my other credit cards with them are at XXXX always,
Frequently Asked Questions
What is Complaint #5546595 about?
Complaint #5546595 was filed against Capital One Financial Corporation regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2022-05-05T12:00:00-05:00.
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.