Credit card -- Getting a credit card -- Complaint #7533777
Complaint Overview
Complaint ID: 7533777
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Application denied
State: Alabama
ZIP Code: 352XX
Date Received: 2023-09-11T12:00:00-05:00
Date Sent to Company: 2023-09-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/2023, I applied for a Capital One Spark Business Card. I was approved with a {$5000.00} limit ( card ending in XXXX regarding XXXX ) and sent a welcome letter. I was immediately provided a secured link requesting a driver 's license, proof of residence, and social security card, all of which I submitted at that moment. I was asked for this information several times, each time submitted through a link I received from Capital One- After a few days of this, I needed clarification from Captial One, and they explained that my identity could not be verified. Before this notification, the card had arrived at my office. I linked it to my existing Capital One profile ( which has two other Capital One products ), which made this decision even more strange. I asked the reason and was given the same answer : unable to verify. I wanted to know what I should do with the card I had in my possession. " Do what you want to do, as the account was locked, '' was their response. It was suggested to reapply, which I did, and was approved again. Once again, I was asked to provide the same docs. I requested a fax number this time. I visited a XXXX location scanned and faxed the docs to XXXX. Days later, in early XXXX, while driving, I received a phone call from the Capital One Fraud team requesting my driver 's license via a secure link. I pulled over and scanned the DL. I was approved, but this approval was for only {$500.00} ( card ending in XXXX ). In my reapplying, I was under the expectation that starting the process over was to reopen the application that the fraud team locked. I diligently provided document after document just to be told no, apply again, and get a lower limit when, all the while, I was feeding the same info and took hits to my credit report. The initial card with the {$5000.00} limit shows open on my credit report and its inquiry, but they can't verify my identity?
Frequently Asked Questions
What is Complaint #7533777 about?
Complaint #7533777 was filed against Capital One Financial Corporation regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2023-09-11T12:00:00-05:00.
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) 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.