Consumer complaint received 2022-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Under the membership Terms and conditions, There is no such thing as addressed under what condition that I can't get my annual fee refunded. 

The original account restriction was held due to a large number of purchases, Which was paying for the university tuition. 
I paid the full amount, and the amount was paid through my bank accounts. 
Moreover, I kindly respond to fix the issue by sending the requested files. 
I did send all the request files, such as utility bills, a copy of my identification, and more. 

Then, after a few weeks there was no answer, no incoming mail, or no explanations nonetheless, my account was still under restriction, and I couldn't use it. 
where it was promised to be contacted back. 
Now, when I called back to complain a few weeks after, the answer I got that wrong Social Security number was put in There was no callback, nor incoming mail until I called back to fix the issues. 

So, upon checking, I put a one-digit of the wrong number. 
Out of 10-digit social numbers, I accidentally put one number wrong, and thus, there was a mismatch on the social security number. 
I believe that was the next issue I told on the phone. 

Now, in this case, What I can say is how in the world, that wrong social number in the application can be processed. 
in which I believe there should be a letter or request to contact back as there were mismatches in the application, where all the credit card companies do. 
but somehow, it went through, and I did not notice it as well. 

So, I checked with the credit bureau to see if it did not hit my SSN however, capital one somehow managed to find my social number and pulled the information out of it. So, in which I thought it went through well.

Once I was requested to get the social number, I was indeed to try to get a copy of my SSN however, due to covid-19 situation, The social security office only takes the application by appointment Moreover, I was really busy at the moment, so I couldn't make the time.

As this happened within the month of the opening of the account If the representative indeed gives a data on where I can request the closure and being able to request a refund of the amount Then I would more than gladly do so. 

However, recently when I checked my account, the the the the the the the account was closed from the restriction, no notification was sent again through any method. 
If mail was sent out, then possibly lost during transit between the company and my house. 

In this case, I am still not being persuaded to the point where, why should I even be paying for the membership fee that I haven't been using any services after less than a month of card opening.

Moreover, if the wrong social security number was the problem to be fixed, then the application shouldn't even be processed, but somehow capital one manages to get the right one, and match with my application, then process it.

Before submitting the complaints again, I did try to find any statement under the " Capital One Customer Agreement '' provided from previous complaints However, I couldn't find the note where it says specifically the conditions where I cant get the refund of the membership fee.

{$390.00} is the big money, and it was economically rationalized to me, as there were so many unique services and bonuses given from the card. 
However, in a case like this, I am not able to use the card, and still paying the full XXXX doesn't make any sense.

Company response to consumer: Closed with explanation