Credit card -- Getting a credit card -- Complaint #8254898
Complaint Overview
Complaint ID: 8254898
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: California
ZIP Code: 95829
Date Received: 2024-01-30T12:00:00-05:00
Date Sent to Company: 2024-01-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I applied for the XXXX XXXX card today XX/XX/2024 from Capital One. My first application did not go through since my credit bureaus were frozen. I didnt receive any timely communication from Capital One regarding the freeze so I unfroze my bureaus and applied again. My application was declined because they said I had my first application pending. I called to re-submit the first application and then that one was also denied saying the reason for the declination was that I had submitted a second application. Both declination letters offered no actual reason why I was declined the card aside from each mentioning the other letter. I tried calling and had no success with anyone taking the time to properly review my application and ultimately was declined and received no help due to a technical issue, not on the merit of my credit score. Its complete XXXX and I do feel discriminated against since I was not provided ANY decision criteria based on my credit history alone. They advised me to try again in a few days which is also an incorrect procedure since a rep told me that any applications received within 6 months of each other would immediately get declined. All I want is a formal decision based my credit history which is EXEMPLARY since I have never been late on a single payment.
Frequently Asked Questions
What is Complaint #8254898 about?
Complaint #8254898 was filed against Capital One Financial Corporation regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2024-01-30T12:00:00-05:00.
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.