Credit card -- Other features, terms, or problems -- Complaint #8927493
Complaint Overview
Complaint ID: 8927493
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: New Jersey
ZIP Code: XXXXX
Date Received: 2024-05-03T12:00:00-05:00
Date Sent to Company: 2024-05-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
Capital One has cheated me every time I've used their limited cash back as account credit promotions. The most recent event was for a purchase made XX/XX/XXXX from shopping partner XXXX XXXX. They also tried to get away with not honoring similar promotions on purchases ( XXXX XXXX ) made XX/XX/XXXX and on XX/XX/XXXX with a purchase from XXXX XXXX XXXX XXXX. It is clear to me that this pattern of cheating customers is repeatable and predictable to the point where I now take many many screen shots and mark a future date in my calendar to call them back ( after 3 statement cycles ) when the cash back does not post on my account. Over the years the customer service reps. have become less helpful, telling me on several occasions that the merchant only allows certain items, or trying to fault me for not meeting the requirements, even when I can demonstrate with screen shots that I did everything properly. Clearly the executives who design and implement this program are aware that is fraudulent and they have worked with others inside and outside the company to make sure that they only pay out to stubborn customers who refuse to give up. In the latest experience the supervisor did not even bother to apologize. I am expected to write and print a letter, put it in an envelope and pay for postage to send my complaint to Corporate, where I can expect ( at most ) a form-letter reply at some distant future date. Here are my notes : XX/XX/XXXX cheat me phone notes phone call start : XXXX phone call end : XXXX XX/XX/XXXX 11 % cash back as statement credit offer After 20 minutes XXXX ID XXXX XXXX tells me I will be receiving a $??.?? credit in 7 to 19 business days on my account. XXXX transferred me to the wrong dept. before I got this XXXX who did not understand what a dashboard is, until he read me another long paragraph which used the word dashboard. Every time I use one of these 10 % cash back offers they cheat me. Holding now to speak with supervisor. XXXX can not issue a credit to me for frustration. I ask her for the corporate address to pursue this further. It is Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Include the last 4 digits of my credit card in body of letter.
Frequently Asked Questions
What is Complaint #8927493 about?
Complaint #8927493 was filed against Capital One Financial Corporation regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2024-05-03T12:00:00-05:00.
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.