Credit card -- Advertising and marketing, including promotional offers -- Complaint #7751755
Complaint Overview
Complaint ID: 7751755
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-Issue: Confusing or misleading advertising about the credit card
State: Arizona
ZIP Code: 85234
Date Received: 2023-10-24T12:00:00-05:00
Date Sent to Company: 2023-10-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Complaint 1 : Advertising and marketing, including promotional offers ( misleading advertising ) On XX/XX/XXXX, I had a hard pull on my credit with Capital Ones pre-approved refer a friend program ( see copy of text from my friend that sent to me attached ). Capital One indicated in the documents Ive included ( attached with this complaint statement ), there would be no impact to your credit score, plus no credit score required to apply. This is definitely misleading and inaccurate as it ended up being a hard pull and my score dropped by 3 points as a result. Please review the two copies Ive included and complete the necessary investigation, and correct my score based on Capital Ones claim no impact to your credit score. Complaint 2 : Problem with credit report and credit score The Capital Ones SavorOne credit card was recognized by XXXX, XXXX, and third party XXXX XXXX on XX/XX/XXXX with {$10000.00} available credit added to my credit amount line on Credit Karma. However, the XXXX XXXX XXXX credit card is no longer on the XXXX XXXX 's app after XX/XX/XXXX due to it being removed from XXXX. This may be due to my date of birth being incorrect, per the Capital One agent I spoke to. As of XX/XX/XXXX, Capital One has corrected my birth date and has updated my XXXX credit card account in their system. What I have done to resolve the issue : I have contacted Capital One about the above issue and their wasn't any satisfactory resolution offered and their reason was very misleading to and with XXXX Ones pre-approved refer a friend program.
Frequently Asked Questions
What is Complaint #7751755 about?
Complaint #7751755 was filed against Capital One Financial Corporation regarding Credit card specifically about Advertising and marketing, including promotional offers. It was received by the CFPB on 2023-10-24T12:00:00-05:00.
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.