Credit card -- Trouble using your card -- Complaint #8233090
Complaint Overview
Complaint ID: 8233090
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Credit card company won't increase or decrease your credit limit
State: Illinois
ZIP Code: 62521
Date Received: 2024-01-26T12:00:00-05:00
Date Sent to Company: 2024-01-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have called XXXX XXXX on multiple occasions. They have denied my credit limit increase and cant even explain the reason why. On the letter it says A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. Which I dont understand what that means and called and spoke with a rep and supervisor and they could not explain either! I make XXXX a year with a credit score of XXXX. It should be no reason my credit limit cant be more than {$600.00}. I also bring my card to a balance of XXXX every 2 weeks. So I pay on this card twice a month in full. No late payment charges. I have been with this company for almost 10yrs now. When doing the credit increase it said it takes days for the report to come back and mine came back within hours like its an automatic rejection. This company is treating me unfair as a consumer with no legit reason of why and cant explain why.
Frequently Asked Questions
What is Complaint #8233090 about?
Complaint #8233090 was filed against Capital One Financial Corporation regarding Credit card specifically about Trouble using your card. It was received by the CFPB on 2024-01-26T12:00:00-05:00.
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.