Consumer complaint received 2021-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX ( today ), around XXXX XXXX I attempted to open a Capital One 360 Checking account online because I was attracted by their {$400.00} bonus. I have carefully read the terms on the website and understood the terms in order for me to qualify for that bonus. I reazlied that even though I was using the link on their website ( https : //www.capitalone.com/bonus400/ ) I probably should look out for a place to enter the promo code ( XXXX ). It is my life expereince that many companies will waive that physical action on my end ( i.e., putting down the promo code ) if we use the link on their official website or will automatically fill that field in the application. 

I was careful during my application. I was asked to provide my name, address, ssn, job description, and finally I was taken to a page to transfer the fund. It was indicated that the transfer isn't mandatory at that moment but I decided to transfer money anyway because I am a good-faith user who did want to continue using their services. All the way to this page, I didn't see ANYTHING or ANYHWERE that I could put down a promo code. I filled up every field that was blank and I looked out for hints -- there was none. But when I clicked next, I was shocked that my applciation was finished. I was waiting for a confirmation page that will allow me double check my information and make sure that a promo code was applied successfully. I suddenly realized that I had not been asked to put down a promo code. I got nervous immediately. I thought for a moment that perhaps the promo code was automatically applied. But just to doublecheck, I gave capital one a call immediately around XXXX XXXX, merely two hours later ( because I got a work call. ) However, even though only two hours passed from my initial application, Capital One staff told me over the phone that I WAS THE FIRST ONE WHO MADE SUCH COMPLAINT. But while I was on hold, I did a XXXX search and there're tons of people who have experienced the same thing with me. There's no way that they were not put on notice on this. And there's no way that they can claim they didn't intentioanlly or negligently lured every consumer to apply for their bank account but trick you by hiding/concealing/avoiding the place to put down promo. I told the representative that and the representative got made almost immediately -- claiming that she can not work with me if I interrupt her. I told her I was just responding to your claim that nobody fell for that before and I let her finish. But she intentionally put me on hold for a minute and then told me that what has been done has been done -- and demanded me to give them a call on XX/XX/XXXX ( which is ridiculous, again they're trying to avoid taking any responsibility at all because people tend to forget dates! ), not earlier or later, and on that day I must request again for an " EXCEPTION '' and still, there would be a 50/50 percent I can get it. Basially she demanded me to beg for them to do what they promised in their ad. 

It is weird in the first place that a promo code availalbe to the entire public, must be physically put down in an application. How would that be necessary unless the bank is trying to play tricks on people? 

I am absoltuely disgusted by Capital One 's response and didn't even know if I want to be their customers. This is an old trick and I am so frustrated that I fell for it. This is a fraudulent act for sure and I can not stand any bank treat their customers like this. Please assist me and I am looking forward to coopearting with you to resolve this. Thank you very much.

Company response to consumer: Closed with explanation