Consumer complaint received 2018-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I RECEIVED EMAIL XX/XX/XXXX ( after submitting request for card online per mailed offer ) : " '' On Monday, XX/XX/XXXX XXXX XXXX, Capital One <XXXX> wrote : More on your credit card application decision ( 2 ) XXXX XXXX XXXX : Thank you for your interest in a Capital One ( reg ) Credit card.// We are writing to provide you with additional information regarding the decision to decline your recent application. // Recognizing this isnt the answer you were hoping for, we want to help you understand why and have explained the reason for this decision in a secure letter.// You can access this letter with a unique user ID and password. Once accessed, you may download or print a DPF of the letter for your records. 'Access you Letter ' - Sign-In Instructions example only. 'TO GET SECURE LETTER'.Sign in instructions : Your user ID is your email / xxx.xxx / SSN/last 4 / Birthdate MMDDDYYY 5 digit ZIP '' '' /// LINKED SITE : " Please click on the icon below to view your secure letter from Capital One. Once you open the letter, you may print it or download it to retain for your records. Don't see what you are looking for? Log in again. To view your letters, User ID and Password must be an exact match to the information you provided to Capital One on application. / Update search criteria by expanding Document Date range or Documents Displayed Per Page. Click Search button. '' '' /// ENTERED SITE // results : " No documents found. / If you believe you have received a phishing e-mail that claims to be from Capital One, forward the suspicious e-mail to XXXX. '' '' / MY email was FAILURE TO DELIVER to either Capital One nor to OIG.gov After clicking on contact boxes of Cap One email ; I EMAILED on XX/XX/XXXX to OIG and to CapOne ( ( XXXX XXXXXXXX Failure TOO LARGE and " No Permission to contact OIG '' /// I RECEIVED VIA U.S.P.S. MAIL AN UNSOLICITED OFFER TO APPLY FOR " PREAPPOVED '' CREDIT CARD ... I HAVE THE COPY AT HOME LISTING ALL OFFER. I DECIDED TO APPLY SINCE I WOULD LIKE TO BE ABLE TO TENT A VEHICLE FOR " VACATION '' PURPOSES. I DO MAKE MORE THAN {$420.00} OVER THE RENT/UTILITY PAYMENTS - THIS IS LISTED AS THE CRITERIA FOR APPROVAL. AGAIN, IT WAS WRITTEN AS " PREAPPROVED ''. THE LETTER STATED TO APPLY ONLINE ( VIA SECURED APPLICATION SITE ). I DID THIS. I RECEIVED THE ATTACHED FORWARDED EMAIL. I ENTERED THE SITE, ENTERED THE REQUIRED INFORMATION. THE RESONSE IS " NO DOCUMENTS FOUND ''. I REQUIRE A LEGITIMATE COPY OF THE REFUSAL. I ALSO AM REQUESTING REVIEW OF THE ENTIRE PRECEDING INCLUDED THE MAILED OFFER AND THE ONLINE " REFUSAL '' AND INABILITY TO PROVIDE THE LETTER AS WELL. ** REMEMBER ** - THE OFFER STATED " PRE-APPROVED '' AS WELL. *** YOU MAY CONTACT ME VIA EMAIL, U.S.P.S., AND MY CELL PHONE ( THE ONLY NON PROTECTED ITEM ON THE INFORMATON. MANY PHONE NUMBERS ARE USED BY MULTIPLE PERSONS. MANY PERSONS USE MULTIPLE CONTACT NUMBERS. THIS CELL PHONE IS PREPAID ( BY MYSELF ) AND I HAVE HAD IT FOR 3 1/2 YEARS. RARELY HAS A FRIEND USED IT in " EMERGENCY ''. I USE THE PUBLIC ACCESS COMPUTERS AT MY LOCAL LIBRARY ( THIS INSTANCE IS XXXX COUNTY FLORIDA, XXXX XXXX FL ). IT ALSO IS " SECURE '' AND USUALLY OFFERS BASIC USUALLY COMPATIBLE SOFTWARE FOR MOST INTER-BUSINESS SITES. THANK YOU FOR YOUR IMMEDIATE INTEREST IN THIS MATTER AND YOUR APPROPRIATE IMMEDIATE RESPONSE. SINCERELY, XXXX XXXX XXXX ( this was not delivered. I went online Capitol One and it was a dead-end as well.

Company response to consumer: Closed with explanation