Credit card or prepaid card -- Other features, terms, or problems -- Complaint #6333099
Complaint Overview
Complaint ID: 6333099
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: Illinois
ZIP Code: 60561
Date Received: 2022-12-17T12:00:00-05:00
Date Sent to Company: 2022-12-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I opened the Capital One XXXX. They had an advertisement that I am pre-approved for a XXXX XXXX XXXX. I was just curious what the terms were and how much the credit limit offered would be. Before that I checked the same with the XXXX XXXX. It was super easy and they provided me the details of the product and then asked if if am ready to begin the actual process. I was not ready to actually apply I was just researching. However, just following the prompts in the process I accidentally applied for the XXXX XXXX XXXX XXXX I did not intend to do that. I believe the prompts were a little confusing. Once I realized what has happened I immediately called Capital One and canceled my credit card. However, they also ran a hard check on my credit score and that had a negative impact on my credit score. I called Capital One to get further details and explain that their process is a little confusing. They need to change the credit card application process and make it clear that you are indeed applying for a card and that there would be a hard check on your credit score.
Frequently Asked Questions
What is Complaint #6333099 about?
Complaint #6333099 was filed against Capital One Financial Corporation regarding Credit card or prepaid card specifically about Other features, terms, or problems. It was received by the CFPB on 2022-12-17T12:00:00-05:00.
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.