Credit card -- Other features, terms, or problems -- Complaint #7668700
Complaint Overview
Complaint ID: 7668700
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Problem with rewards from credit card
State: California
ZIP Code: 92103
Date Received: 2023-10-09T12:00:00-05:00
Date Sent to Company: 2023-10-09T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I placed an order for a XXXXXXXX XXXX through the CapitalOne Shopping app on XX/XX/XXXX at XXXX for {$1700.00} ( before tax ). The CapitalOne Shopping app was advertising 30 % rewards/cash back for XXXX purchases, which would give me {$510.00} cash back. I have screenshots from my XXXX showing I purchased the mattress through the app. The screenshots also reflect the 30 % cash back offer and that the offer was activated. On XX/XX/XXXX it will be 120 days since I made the purchase. I have emailed XXXX XXXX times over the past 4 months with the proof of order and multiple screenshots taken during the shopping and checkout process. Attachments reflect that I made the purchase at XXXX. The order confirmation I received from XXXX also confirms purchase time at XXXX. The first and only response I received was on XX/XX/XXXX. It confirms they know I made a purchase through the app. I have pasted their first and only response here. They refuse to respond to my emails since then : XXXX ( Capital One Shopping ) XX/XX/2023, XXXX XXXX Thanks for contacting Capital One Shopping! I've looked into your request, and it looks like it's been less than 30 days since your purchase was completed. At this time, your rewards are being confirmed and processed with the retailer. Unfortunately, the most I can do is ask that you wait until it's been at least 30-60 days, and then check again to see if your rewards are available. The retailers we work with need time to account for adjustments, returns, cancellations, and exclusions, so once that process is complete, your rewards will post to your account. If your rewards are travel-related, those can take up to 90 days to post after travel is completed. Thanks for your patience and understanding, XXXX
Frequently Asked Questions
What is Complaint #7668700 about?
Complaint #7668700 was filed against Capital One Financial Corporation regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2023-10-09T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with monetary relief". 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.