Consumer complaint received 2021-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
13 hours and about 15 to 17 agents of talking i have been called a lair and more. I was so fed up I sourced everything myself and called back. So before i detail this list heres what at least 7 associates and supervisors saw and had no excuse for after sourcing.

24/7 Access to your Full Card Information Securely access your full credit card information from your phone so you can make a purchase even if your wallet isnt nearby. XXXX XXXX XXXX The FTC Act prohibits unfair or deceptive advertising in any medium. That is, advertising must tell the truth and not mislead consumers. A claim can be misleading if relevant information is left out or if the claim implies something that's not trueXXXX XXXX XXXX  https : //www.ftc.gov guidance ad... 
Advertising and Marketing on the Internet : Rules of the Road I took a hit to my credit for a credit line via XXXX that was guaranteed to be accessible instantly as the reason of applying at all. The in store advertised a temp virtual 24 card number that never came. 4 days of calling and seeking help via chats with Walmart, they were aware of a capital one related error here. After massive run arounds on XX/XX/XXXX 4 days after approval they fixed the accounts but now declined the shopping pass. Catch was they also effected alternative accounts that did have full access to viewing my card info online digitally for us digital wallet users. They completely bricked the account in this manner. I needed not even my new card, but other card numbers so i can get gas or refund a product that requires I confirm my card number to my XXXX XXXX. When I talk to people now they act ignorant i have been a customer for alternative cards for literal years with foot in their mouth when I question previous statements. They are even asking me very personal information that can lead to identity theft I assure entry level members dont have access too. After XXXX hours of different techs, managers, associate members, etc on the phone the solution when they think they are immune to false advertising here they either hang up or transfer you against your will or consent during mid help. At least occured in hang ups 6 times. They name call and more thinking the consumer is phishing when I am giving out more verifications than XXXX XXXX even requires for a Drivers License. Only thing they dont have now is my XXXX XXXX . They tried to speak as if this info changed last couple days or so, but according to archieve.net aka a way to screenshot the history of webpages average people dont know, this is also a XXXX load meant to put consumers off. Another manager of all people said my issues from XX/XX/XXXX was from account issues on XX/XX/XXXX. Have fun figuring the thought police logic to that. My solution was 1 of 3. Take 24/7 access off the marketing of their cards and page as its false and blatantly misleading by even their own staffs words, they can give my access back even if that meant closing that account down to do it immediately for the hardship this caused, or explain a regulation that Capital One may have lobbied for to get away with its misleading practices. I was guaranteed instant access when applying and now I have access to none of my cards info while capital one blamed me for ever applying. So I was accused of applying for a card that has these features including a 24hour shopping pass temp card number and cause capital one glitches out merging older accounts that I was a security risk and all other sorts of nonsense the next associates cant back up with new sets of excuses. Now because I took a hit to my credit they can falsely advertise and make us source the website going oh well. Last I checked if I ordered a hamburger and fries to not get fries, they cant make excuses for not giving me fries. They have to refund it or replace the issue. I was hung up on when I seeked a solution. So until I get my 24/7 access again that's advertised " 24/7 Access to your Full Card Information Securely access your full credit card information from your phone so you can make a purchase even if your wallet isnt nearby. '' with no asterisk or XXXX XXXXhat clarifies anything, I feel something must be done. Ive seen people die from covid cause of medical bills and credit companies being hard to work with in hardship. With capital one admitting they have bulk call and admit they tell their customers post signing up for service this isn't a 24/7 service, they in retrospect open admit to using this false advertising as a tactic to sign up. Both Walmart and Capital One os a complete joke as far as getting any reasonable or pragmatic reason for it. They just admit its wrong, but it is what it is. If XXXX cant start a business doing such perverted and misleading practices, neither should companies that people truly rely on through financial hardships impacted by covid. This issue could saved someone's life that is in these bulk calls seeking an urgent solution. XXXXmagine struggling to breathe. Now imagine me after 13:30hours of trying to get a straight answer for their related errors on their end and why i should be the XXXX here breaching contracts with these credit card companies. Mine was a gas issue I relied this on, so if my gas was covid health related, this could have been what lost us another life just needing meds paid for. The hardship of not just me complaining needs noted but the bulk of Capital Ones Customers that gets left behind from their willfully financially misleading practices to market their service to sell to new gullible users. All I wanted was a pragmatic answer. I do work in XXXX XXXX, so not a single excuse they have can be used for even a fraud claim after the phishing they did to verify myself numerous times. This is a con that needs heald accountable. I shouldnt have had to teach Customer Service Management what the Website says let alone had reveal as much as I did. I feel the FTC is very good about specifically stating false advertising and its legal definitions. I truly feel as a reasonable person standard that the privation I went through was unruly to cause this hardship in effect. So many ways they could have handled it rather than running away when they were caught being fraudulent with their marketing.

Company response to consumer: Closed with explanation