Consumer complaint received 2018-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for 2 Capital One Credit Cards on XX/XX/XXXX, first for a regular card, then for a secured card. I was denied on btoh. In the past, the early XXXX, I had bad credit but I paid off and closed some accounts, paid off past due taxes and waited until other creditors were charged off. Approximately 2 -3 years ago, I began cleaning up my reports, having old addresses taken off, old jobs, and disputed old charges from the XXXX that were still showing, etc. so my credit report should now be clean. During the past decade I had one credit card, Capital One, which I had around XXXX. I closed it shortly after getting it ( I didn't know closing cards was detrimental to your credit score ). Now, I can't get new credit, even though I haven't had anything detriminetal on my account for a decade. My credit reports are now basically zeroed out except for a payday loan which I open around XXXX and which has followed me around since. I paid off/reopened this payday loan dozens of times because I worked a job that didn't allow me to pay my basic needs so I kept reopening in hopes I'd get more money, avoid paying full balance. I must have given them hundreds or thousands of dollars on top of the original {$500.00} or so I took out so I'm not paying more. It's been a decade, it should have dropped off. But instead, the payday company sold it to a recovery company and apparently is showing up as new bad credit, even though I haven't had credit in a decade except for the old capital one card. Capital one says they can't reopen my old account. They also said they can't give me a new card because they didn't get a credit report from XXXX and that this, along with the lack of recent credit history is the reason for my denial. XXXX  says Capital One can see my reports. Since they are pointing fingers at each other, I'm filing complaints against the credit card companies and the agencies. I also applied for credit at other companies earlier this year. If I find my denial letters, I will be filing complaints against them too. I've tried talking to the credit agencies but they're impossible to get in touch with. I talk to one but then they tell me to follow up online and the link doesn't work. The other says call this number but it's voice mail only. I'm done. Now, either you handle this or I join one of the class action lawsuits out there. Below is the letter of denial I got from capital one. I got 2, one for a regular card, one for a secured card. So even though I haven't defaulted on anything for a decade and never on anything serious, I can't even get a secured card. That is why I am filing this complaint on Capital One and the agencies, as well as any other credit card companies I got denial letters on. So you'll see multiple complaints. I also attached denial letter from earlier in year from XXXX. I've applied to once or twice in past 12 months, also to XXXX. Also got denials, even after getting raise at my last job. Also, can't get credit from my bank of over a decade XXXX. Even college kids with no credit can get credit, people with horrible credit can get credit at high rates. Something is wrong. 


XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX XXXX : XXXX : XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Application ID : XXXX Creditor : Capital One Bank ( USA ), N.A. 
Dear XXXX XXXX XXXX, Thank you for applying for a credit card issued by Capital One. Unfortunately, after reviewing your application and information obtained from your consumer credit report ( s ) from the agencies detailed on the back of this letter - we can not approve your request at this time.

The reason ( s ) for our decision are : Based on your credit report from XXXX, credit bureau information is missing or unavailable Based on your credit report from XXXX, credit bureau information is missing or unavailable Based on your credit report from XXXX XXXX, credit bureau information is missing or unavailable Based on your credit report from XXXX XXXX, there are too many delinquent past or present credit obligations If you feel we missed something or misread your information, then please write to us at XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX and include your Application ID number referenced above. 
( Please note : we recommend you contact the credit agencies first to ensure they have accurately reported your information to us. Contact information is provided on the back of this letter. ) We know this isn't the answer you were hoping for, but we hope there is an opportunity to provide you new products and services in the future. 
Sincerely, Capital One Customer Care Team SEE REVERSE FOR ADDITIONAL IMPORTANT INFORMATION AND DISCLOSURES. 
XXXX Capital One. Capital One is a federally registered service mark. All rights reserved. 

XXXX FAIR CREDIT REPORTING ACT Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. 
XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX INFORMATION ABOUT YOUR CREDIT SCORE We also requested your credit score to make our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes. If you have questions about this specific credit score, please contact the consumer reporting agency at the address or telephone number provided.

Your Credit Score Missing or Invalid Date : XXXX Source : XXXX  XXXX XXXX Understanding Your Credit Score The range of scores Scores range from a low of XXXX to a high of XXXX. 
Key factors that adversely affected your credit score Score not available ; Insufficient or unknown credit history EQUAL CREDIT OPPORTUNITY ACT The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, XXXX DC XXXX. 


-- -- XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX XXXX : XXXX : XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Application ID XXXX XXXX Creditor : Capital One Bank ( USA ), N.A. 
Dear XXXX XXXX XXXX, Thank you for applying for a Capital One Secured MasterCard. Unfortunately, after reviewing your application, we can not approve your request at this time. Please know that in the process of making this decision, your credit score was not impacted.

The reason ( s ) for our decision are : Based on your application information, there is a currently pending or recently processed application with Capital One If you feel we missed something or misread your information, then please write to us at XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX and include your Application ID number referenced above. 
We know this isn't the answer you were hoping for, but we hope there is an opportunity to provide you new products and services in the future. 
Sincerely, Capital One Customer Care Team SEE REVERSE FOR ADDITIONAL IMPORTANT INFORMATION AND DISCLOSURES. 
XXXX Capital One. Capital One is a federally registered service mark. All rights reserved. 

XXXX EQUAL CREDIT OPPORTUNITY ACT The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, XXXX DC XXXX.

Company response to consumer: Closed with explanation