Credit card or prepaid card -- Advertising and marketing, including promotional offers -- Complaint #5920725
Complaint Overview
Complaint ID: 5920725
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-Issue: Didn't receive advertised or promotional terms
State: Arkansas
ZIP Code: 72703
Date Received: 2022-08-26T12:00:00-05:00
Date Sent to Company: 2022-08-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX- converted existing Capital One credit card ( limit {$8500.00} ) to a Capital One Venture Card. Converted because part of the offer listed in the bullet points in my online user portal was an offer of a XXXX mile bonus if I charged a least {$4000.00} within the first three months of having the card. XX/XX/XXXX - still had not received any further information or indication of the offer being " live. '' Called Capital One customer service. First person I spoke with said she couldn't find the offer, put me on hold, and hung up on me. Called again. Second person I spoke with put me on hold several times and finally told me that because I saw the offer in my online portal, they were going to honor it. He said he was transferring me to someone to be sure the offer was activated. The next person who came on the phone proceeded to tell me that they would not honor the offer. The call was RECORDED- please access the company 's recording to confirm that this is what he told me. Again, this call was recorded by Capital One. The call happened on XX/XX/XXXX beginning at XXXX XXXX Central time and ending at approximately XXXX XXXX Central Time. There is no refuting a recording. I would like to receive the offer that was given to me in order to entice me to convert to a Venture card. By converting to this card my annual fee was increased, but it was worth it due to the bonus offer. The company is trying to not honor the offer it gave to me online, and that it then promised to me on the phone in this phone call. This is deceptive as a business practice.
Frequently Asked Questions
What is Complaint #5920725 about?
Complaint #5920725 was filed against Capital One Financial Corporation regarding Credit card or prepaid card specifically about Advertising and marketing, including promotional offers. It was received by the CFPB on 2022-08-26T12:00:00-05:00.
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.