Consumer complaint received 2015-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have been an excellent Capital One multiple credit card account holder customer for many years and I have always conducted the best of what is expected as a client with this bank and handled my accounts always in a positive and excellent manner of operations but I am contacting and filing a complaint against Capital One after I have notified and tried to resolve my issue with them for quite some time. I have asked for a credit limit increase on my accounts and they will not grant me my requests month after month and has been close to XXXX years or longer on some of my accounts. They send me a reply back explaining why and the reasons are not justified. I will enclose proper documentation as well with this complaint. I have never been late on my accounts and I have never been over the credit line or missed any payments. I have used my accounts a lot and I pay them on time as well sometimes even several weeks ahead of payment due date and frequently more than once in the same billing period and I have made well above the minimum payments that their last denial of credit line increase saids I was n't making the more than the minimum and yet I can show that as well is incorrect. I feel like I am being discriminated with Capital One on not getting the same services that other good account holders have access to. I show excellent responsibilities on my accounts that should warrant no denial for credit line increases and additional spending power that I should be entitled to as the next person. I have XXXX account with them and XXXX of the XXXX are paid in FULL and have XXXX balances since XXXX 2014 and they still decline credit limit increases on these accounts as well. They have no real excuses but send me bogus if not random computer generated responses that show no merits to what they declined me for and if not at least being discriminated then perhaps a huge error in their approval for such request should be noticed and investigated into. I have all supporting documentation to show my concerns here and I have even contacted Capital One about this issue several times and they seem to over look and or not seem concerned about my complaints and questions. The last complaint was about a week ago and they said their RESOLUTIONS DEPARTMENT would call me and of course this proved to be false and I never heard anything back from Capital One as they said I would in XXXX business days of initial complaint filed. Capital One should not be allowed to treat me differently for whatever their criteria is if they are not following the same business practices with everyone else that is holding the same standards of account responsibilities and should not be allowed to pick and choose who is entitled to privy rewards and who is n't when regardless that both parties take good accountabilities on their credit card accounts. My status is excellent with the way I handle my accounts and they do not have any real reasons NOT to grant my requests when I ask for them. They send me their reasons to why I was not approved by these reasons can be justified and proven that it is n't so. This is not right and should not be tolerated from a business that can not be diligently fair and reasonable with every account holder with fairness and unbiased and non discriminatory when making decisions and should be viable and legitimate reasons for declined of such asked requests when requested by an account holder such as myself. Telling me that I was denied due to low monthly payments on my account when their minimum is {$45.00} and I am making {$160.00} payment does n't not see too low minimum payments and I always pay at least XXXX the asking monthly set Capital One billing in addition even with XXXX accounts paid in full they still do n't have a valid reason for not granting my request. This needs to stop and be investigated at once. Thank You

Company response to consumer: Closed with explanation