Consumer complaint received 2023-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called Capital One about an hour ago. XXXX XX/XX/2023 spoke to supervisor XXXX Id XXXX XXXX Told her I have XXXX and that This XXXX was protected under The Americans with Disabilities Act. 
I asked her for a reasonable accomidation. That is was overwhelming for me to get my credit reports and to send a letter to Capital One. I told her I was about ready to XXXX XXXX XXXX XXXX XXXX XXXX... I told her I was XXXX And she laughed at me and hung up on me. The call was recorded so I want you to listen to it and I want an appology. 
If I do not get a personal appology then I will also be filing a discrimination complaint with the Americans with Disabilities Act. 
The letter below I filed against XXXX but there has been no response so I am going directly to Capital One and asking you to take this off of my credit. 

I was looking to be prequalified for a credit card. One that did NOT .... repeat did NOT do a hard pull but instead did a SOFT PULL. I specifically did this simply in order to get an idea of just where my credit worthiness stood and whether or not I need to do anything to my credit report that needed attention. I had no intention of actually getting the card if approved because I did not want a hard pull done on my credit because I have intentionally NOT applied for a card for almost two years because I want to get a card with XXXX and they are very strict about how many cards you can get within two years and still be able to to obtain a card with them. I googled Pre-Qualify for credit cards and one of the options was XXXX XXXX XXXX XXXX  I read the page and decided to Pre-Qualify for a Capital One. ( A company I already have a XXXX Card with ... This would be a good test I thought. ) So I did a pre-qualify for the Quick Silver Card and was denied. Later that day I had receive an email saying that a hard pull had been done on my credit. I immediately called Capital One to inform them the I have not authorized a hard pull on my credit and they said there was nothing they could do and I had to contact XXXX to straighten this out. I went to XXXX and via the contact button on their site I sent the following message to them. " Hello I found your webpage online when looking for soft-pull preapproval and I clicked on : Capital One Credit Cards With Soft-Pull Preapproval I clicked on the Quicksilver card ( A Capital One Card ) and for some reason was declined. I have a XXXX plus credit score. Later when I checked my email it said someone had done a hard-pull. I checked and Capital One had done a hard-pull. I contacted them and they said I had to contact you to get this straightened out. Please have this hard-pull removed from my credit. I have not applied for a credit card for almost two years so I could have 0 inquiries on my credit so I could be sure to have the best chances of obtaining a Chase credit card. I have been very adamant about being carful and patient.. If I am not contacted within 3 days telling me this has been removed then I will be filing a complaint with the Consumer Financial Protection Agency. I will also include in that complaint Capital One as well. Thank you for you immediate attention to this very distressing matter. Please contact me by email and if you like by phone. Definitely by email for sure. Sincerely, XXXX XXXX XXXX XXXX '' They never go back to me but instead apparently just ignored me. That is why I am here filing this complaint. If you go to the page below you will see that it is for soft pull Pre-qualify for credit cards for a number of companies. XXXX XXXX XXXX And yet when I did a pre-qualify the next thing I know I had a hard pull on my credit. Please let me emphasize that there is no way I would have done this if I thought there would be a hard pull just for the Pre-qualifying part. I understand that if you continue with the application after being preapproved then there is a hard pull. I would not have taken it to that point because I want 0 inquiries when I apply for my XXXX  card ( s ) I have also contacted the three buraus and I have not been able to get them to remove the inquiry as well. I filed a dispute with XXXX and they gave me a 32 page report that was filled with obfuscations that I could not interpret. 32 pages to say we removed the inquiry or we did not remove the inquiry! I have XXXX  and was totally overwhelmed and confused. I checked my latest XXXX report and it is still there so It looks like they are just giving me lots of legal jargon that is meaningless to me.

Company response to consumer: Closed with explanation