Consumer complaint received 2018-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/2018 To Whom It May Concern : I applied for a Capital One Visa on XX/XX/2018. I received an email on XX/XX/2018 staying my new card has shipped. I received the card on XX/XX/2018 for {$8000.00}. The evening of XX/XX/XXXX I logged onto capital.com/activate to activate the Quicksilver Visa I  received. I had to set up an account, creating a User ID ( email address ) and password. In order to do that I had to provide my last name, social security number and birth date. 

When I logged in I entered the credit card number and the three-digit pin on the back of the card, then I hit activate. Right than it stated there was an error and I need to call Capital One. While this was going on I was chatting with a Capital One agent. I told her what was going on at that time and she stated she would make a note on my account and I would have to call Capital One. She said make sure I referenced that I had spoken with her. The number I called was ( XXXX ) XXXX. 

I got a Capital One agent that was really rude and nasty. She was the second person I had spoken with on the phone in regards to getting this card activated. The first person couldnt help me and transferred me to rude nasty unprofessional agent, XXXX ( 2nd person ). I dont understand how she got her job because she was very unprofessional. Nevertheless, she asked me for the credit card number and the three-digit code on the back of the card. After that she asked me for my social security number and my date of birth. She put my on hold and then came back a few minutes later and said I didnt pass the verification process. She said I would need send in my social security and bank statement. I told her how did I not pass when I gave you the card number Capital One sent me, my social security number and my birth date. She got even ruder and I asked for a manager.

I told her no I would not be sending in either one of those and I wanted to speak with a manager. The manager gave me the run around as well. When I told the manager I was now recording the conversation just like Capital One was he hung up on me. I applied for this card on XXXX XXXX. Capital One didnt say I would need my social security card or bank statement before I applied for this card. Neither did they say it before they send me out a {$8000.00} credit card. I have never had to send my social security card or bank statement into a credit card company. I didnt provide Capital One with

my Drivers License and Utility Bill. I would like these documents purged from Capital One records and never used for anything.
This incident has shown me ( the consumer ) that Capital One is a fraudulent company and I dont appreciate the way they do business. I would like Capital Ones inquiry removed from my credit report and all my information purged from their database within the next 2 weeks. I would like my 30 points put back on my credit report. Capital One doing a hard inquiry on my credit report dropped it significantly. I want the inquiry removed. This is a pathetic and fraudulent way for a company to get try and get peoples social security cards. I would like this corrected immediately.

Unsatisfied Customer,

Company response to consumer: Closed with explanation