Credit card or prepaid card -- Trouble using your card -- Complaint #6437394
Complaint Overview
Complaint ID: 6437394
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Can't use card to make purchases
State: New York
ZIP Code: 11377
Date Received: 2023-01-15T12:00:00-05:00
Date Sent to Company: 2023-01-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I filed a dispute for {$280.00} 2 days ago and it posted to my account. I was told I will get a temporary credit for {$280.00}. Once it post to my account..That didnt happen I was on the phone for about two hours. In the end, they said we can not apply it to the available credit. I told her she is not correct. So basically I have to wait 90 days before the funds are released. So basically I have {$25.00} credit limit until the investigation is over. System will not allow me to make a payment more than {$26.00}. This is not acceptable, and this is very unacceptable. And also when I applied they told me a {$700.00} limit and that was their offer to me only $ XXXXwhen they mail the card to me. Capital one is not following the terms and conditions of the terms. And after five months of having the card they said they will extend credit to {$500.00} that did not happen. This card is not really giving me any benefits and limit is low. My other credit cards are around {$2000.00} to {$4000.00} credit limit.
Frequently Asked Questions
What is Complaint #6437394 about?
Complaint #6437394 was filed against Capital One Financial Corporation regarding Credit card or prepaid card specifically about Trouble using your card. It was received by the CFPB on 2023-01-15T12:00:00-05:00.
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.