Credit card or prepaid card -- Getting a credit card -- Complaint #5832627
Complaint Overview
Complaint ID: 5832627
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Getting a credit card
Sub-Issue: Application denied
State: New Jersey
ZIP Code: 080XX
Date Received: 2022-08-01T12:00:00-05:00
Date Sent to Company: 2022-08-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2021, I applied for an extension of credit and a few days letter I received an adverse action letter stating I was denied. I would just like to know what laws and procedures were used to come up with this determination, otherwise it is a direct violation of my consumer rights 15 USC 1602 ( e ) which states credit is my right. Also, they have violated 15 USC 1602 ( o ) unauthorized used. Capital One and Cabelas accessed my credit card, and it did not benefit me. There is an inquiry on my consumer report that proves this transaction took place.
Frequently Asked Questions
What is Complaint #5832627 about?
Complaint #5832627 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 2022-08-01T12:00:00-05:00.
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.