Credit card or prepaid card -- Advertising and marketing, including promotional offers -- Complaint #6189606
Complaint Overview
Complaint ID: 6189606
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: Florida
ZIP Code: 32082
Date Received: 2022-11-10T12:00:00-05:00
Date Sent to Company: 2022-11-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Two days ago I attempted to open a XXXX XXXX XXXX card at Capital One. It was advertised with a {$200.00} bonus after spending {$500.00} in purchases within the first 3 months of account opening. This card is meant for people with excellent credit ; XXXX XXXX states my last XXXX XXXX XXXX was XXXX. Capital One performed a hard inquiry and denied me for the card with the bonus, but approved me for the exact same card with no bonus. With all the credit card options currently available, I would have never applied for any card without a bonus and denied their offer to open the bonus-less card. If Capital One did not feel I was a good candidate for the credit card I applied for, they should have denied me altogether. Yesterday, I applied for a XXXX XXXX card with a bonus and was approved. Im disappointed that Capital One is advertising something, running hard credit inquiries which negatively affect the consumer, and then denying them for only the bonus advertised.
Frequently Asked Questions
What is Complaint #6189606 about?
Complaint #6189606 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 2022-11-10T12:00:00-05:00.
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.