Credit card -- Getting a credit card -- Complaint #9996329
Complaint Overview
Complaint ID: 9996329
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: Arkansas
ZIP Code: 72401
Date Received: 2024-09-04T12:00:00-05:00
Date Sent to Company: 2024-09-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, AR XXXX Capital One EIN/TAX ID : XXXX Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : Formal Complaint Regarding Credit Card Denial Due to Past Account - Violation of FCRA Dear Sir/Madam, I am writing to formally express my concern and lodge a complaint regarding the recent denial of my credit card application with Capital One. The adverse action notice I received stated that my application was denied due to a past account with Capital One. I believe this decision may be in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all credit reporting must be accurate, current, and relevant to the applicant 's present creditworthiness. Details of the Denial : Date of Application : XX/XX/year> Reference Number : XXXX Violation of the Fair Credit Reporting Act ( FCRA ) : The FCRA, 15 U.S.C. 1681, requires that credit information used to make credit decisions must be accurate, fair, and up-to-date. Denying my credit card application solely based on a past account, without considering my current creditworthiness or verifying whether the information is still relevant, is not consistent with the principles of the FCRA. Moreover, the FCRA mandates that consumers have the right to dispute inaccurate or outdated information on their credit reports. If the denial was based on such information, I am requesting a re-evaluation of my application based on accurate and current data. Request for Action : I respectfully request that Capital One : Reconsider my credit card application in light of my current financial status and credit history. Provide a clear and detailed explanation of the specific reasons for the denial, as required by the FCRA. Ensure that all information used in making this decision is accurate, relevant, and up-to-date. Supporting Documentation : Enclosed with this letter are the following documents : A copy of the adverse action notice I received. A copy of my credit report, highlighting any information related to the past account mentioned in the denial. Please address this matter promptly. If I do not receive a satisfactory response, I may be compelled to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or take legal action to ensure my rights under the FCRA are protected. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #9996329 about?
Complaint #9996329 was filed against Capital One Financial Corporation regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2024-09-04T12:00:00-05:00.
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.