Credit card or prepaid card -- Advertising and marketing, including promotional offers -- Complaint #7160816
Complaint Overview
Complaint ID: 7160816
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: New York
ZIP Code: 132XX
Date Received: 2023-06-23T12:00:00-05:00
Date Sent to Company: 2023-06-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I applied for a credit card with capitalone at https : //www.capitalone.com/credit-cards/savorone-dining-rewards/ SavorOne Rewards from Capital One Unlimited Rewards Earn unlimited 3 % cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1 % on all other purchases. New Cardmember Offer Earn a one-time {$200.00} cash bonus once you spend {$1000.00} on purchases within the first 3 months from account opening Low Intro APR 0 % intro APR for 15 months on purchases and balance transfers ; 19.74 % - 29.74 % variable APR after that ; 3 % fee on the amounts transferred within the first 15 months Annual Fee {$0.00} i was approved. I received an email with general apprval information and link to create an online account. Upon downloading paperwork i noticed that i was receiving A DIFFERENT CARD- the savor ( not savorone ) with a XXXX dollar annual fee i called the number on the website linked XXXX. They said there is nothing they can do. They told me to call new accounts at XXXX same response and different number provided to try for the applications department - XXXX i was told that if i wanted to get the card that i applied for, i would have to close the account i was approved for and re-apply but probably wouldn't get approved since it was so close in time to the prior approval. They told me that i would be getting a XXXX dollar charge as soon as i activated the card. so, my credit score was hit bc i chose to apply for a specific card. They approved me for " a better '' card because my credit score qualified me for the best in the savor line. This was automatic, they said. I applied for a no annual fee card, they signed me up on an XXXX dollar annual fee card. i have a screenshot, in case they change the landing page at the website address.
Frequently Asked Questions
What is Complaint #7160816 about?
Complaint #7160816 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 2023-06-23T12:00:00-05:00.
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.