Consumer complaint received 2020-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I applied for a Capital One Platinum credit card online ( account ending XXXX XXXX last XXXX XXXX XXXX and was instantly approved. The card was mailed out to me within a few days and I activated the card when I received it. I tried to make purchases with the card several times while out in public and at ATM machines and the transactions were declined every single time. I never had even one chance to use this card. 

It was declined for the final time ( see XXXX attachment ) when I really needed to send some money for my professional boxer in XXXX who lives in poverty and Capital One is responsible for ruining a lot ... A LOT. They are so awful for doing this and there is no justifiable reason other than they flag people for sending money to XXXX? This is discriminatory and XXXX in addition to their predatory-lender style behavior. 

Capital One flagged my account for fraud and so I called customer service. They said I had to speak with their fraud division and asked me to send in more IDs although they already had my passport ID on file along with my social security card ( front and back ). I explained that I could no longer provide any more IDs so then they asked for proof of billing and used this excuse although they already sent a credit card to my address so why would you need some proof of address when you already sent the card to my address? 

I got really upset and asked them to close the account because I thought there is obviously something wrong with these people in Capital One. However, I received a notification that Capital One did not one, but 2 credit report inquiries and reduced my credit score by 2 points last month ( XXXX ) and it will go down another 2 points in XX/XX/XXXX because they did two inquiries on me and then want to issue credit cards to people and then flag them for fraud for no reason and then ask for more IDs and proof of address when they already have this information on file. 

Because of the credit score reduction and complaint for what they did to me, Capital One asked me to go out and buy some more IDs from a government agency because a US passport issued by the Department of State and a social security card from the Social Security Administration along with a clear proof of address from XXXX is not good enough for Capital One. It is also illegal for them to demand that a customer to go out and buy more IDs when they already have my US-goverment-issued passport on file. 

Capital One told me if I want my account re-opened, which they act like they are doing a special favor for me to do such a thing, I have to comply with their ridiculous, illegal, predatory-lending style demands and go spend my money to go buy another ID which they deem acceptable and produce more proofs of billing out of thin air to satisfy their neverending chain of requirements for a card approval that was already instantly approved back on XX/XX/XXXX. 

These people are clearly psychotic, doing predatory lending, they messed me up totally, damaged my credit score twice in 2 months with a 4-point reduction which takes forever to repair, and they should owe me restitution for what they did. This is my complaint for Capital One Case Number XXXX.

Company response to consumer: Closed with explanation