Consumer complaint received 2023-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was offered a Capitol one credit card. At the time I had XXXX auto loans and XXXX credit card already with Capitol one. There had been issues with them refusing to submit the lean contract for one of my cars to my state revenue office. This resulting in a title suspension which lasted two years. After numerous attempts to resolve the issue with Capitol one I finally got it resolved without their assistance ( they kept telling the state of arkansas that there was no lien in the car ) I had decided not to use Capitol one ever again but they offered me {$250.00} rewards for spending $ XXXX in a interest free quick silver card and I decided to do it to at least receive some compensation for all of my hastle. Once I spent around {$900.00} they hit my credit card with a fraud alert. 

When I contacted them they initially told me there was a fear of identity theft ( despite no suspicious purchases and despite them forcing me to link all XXXX of my accounts together ) then they told me that there was fear I wasnt authorized to use my checking account to make payments ( though I hadnt yet made the first payment and despite them acknowledging the fact that both auto loans and the first credit card were paid out of the same checking account ) finally they told me there was an issue and that they had to verify who I am and proof of income. ( Despite them acknowledging they had both my DL and my SS card on file ) when I offered to comply with their demands of proof of identity and offered them proof of income through pay stubs they refused to take the offered proof and advised me that they required all my bank statements for three months including purchase history to see how I spend my money. At no point in prior business dealings have I ever been asked to show how I spend my money. There has been zero issues of suspicious spending to the best of my knowledge and the only late payment Ive had in 2.5 years and XXXX accounts was when they messed up and got the title to my car suspended and suddenly they claim my payment wasnt going through ( despite my other car payment going through just fine in the sane day and both payments being made early ). 

Since complaining about them getting the title to my car suspended I have had them fail to accept one car payment, Ive had them fraudulently promise {$250.00} in cash back rewards only to have them stop the card before i can spend the required amount, and ive had both of my credit card accounts suspended with ridiculous requirements of proof of spending which forced me to close the accounts. at which time they not only didnt let me collect the {$250.00} cash back from the new account which i would have been entitled to if they hadnt fraudulently froze my account, they also kept the cash back rewards for my first credit card account. 

coincidentally, although theyre partially claiming that they suspect im not authorized to make payments out of my checking account, they continue to take payments from that same account. at this time i believe im also being denied the interest free for a year associated with my credit cards

Company response to consumer: Closed with explanation