Consumer complaint received 2023-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Well, I have applied for a credit card with Capital One and they denied me an extension of my own, personal open-end consumer credit plan, with no explanation, it appears to be a breach or discrimination on their end. I filled out the application entirely and in good faith. Adverse action against a consumer is against the public statutory and regulatory codes, according to EQUAL OPPORTUNITY TO CREDIT ACT, which could be found in 15 USC 1691c, and the actions are civilly liable, pursuant to 15 USC 1692k. Capital One is subject to criminal liability for discrimination for violating 15 USC 1691, which is evidenced via the response to my application for a credit card. Capital One is in violation of 15 USC 1642 and 1681m as well as 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, Capital One required my social security number/credit card number and used it to deceptively deny me an extension of my own open-end credit plan, and i never did receive any benefit, which is two-fold an UNAUTHORIZED USE OF A CREDIT CARD and proof of fraudulent activity on behalf of Capital One. Capital One stated that the reason for denial of credit is because i don't use enough credit or have credit files and also claim in their discriminatory ADVERSE ACTION letter that " one or more of the companies on the back of this letter '' gave them the information and when i checked the back of their letter, zero companies were namef on there. The only thing on the back of the letter is a paragraph from the EQUAL OPPORTUNITY TO CREDIT ACT, Ironically, so i know they are aware of my rights and and choose to willfully and intentionally denying me credit from my own estate. Furthermore, immediately after the denial, i received notification that CREDIT ONE ran my credit because of the multiple hard inquiries that proves IDENTITY THEFT AND FRAUD because they got XXXX and I received no benefit. 
That's unauthorized use of a credit card, and that reminds me of how crackheads behave towards other people, again ironic. This is identity theft and racketeering and civil conspiracy, as far i can tell. Securities frauds and embezzlement and unjust enrichment and i can list more CRIMINAL ACTIONS by credit reporting agencies and financial institutions and I'll file individual complaints for that too. If Capital One fails to reasonably attempt to resolve these matters, civil and criminal remedies, which are to be construed LIBERALLY, as per the XXXX, will naturally be the next plan of recourse, as it is only necessary and proper to justly compensate anyone for damages caused when any person acts in dishonor. When attempting to call Capital One, they make you listen to prompts to literally nowhere for 20 minutes and after those twenty minutes and twenty messages assigning banking topics to dial pad digits, you get to XXXX and XXXX, who are not XXXX  and therefore lying about their identity too and thereby is not properly equipped to grasp the nature of my complaint. Or, I actually suspect theyre AI. So I decided that this should work just fine as notice.

Company response to consumer: Closed with non-monetary relief