Consumer complaint received 2017-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Several months ago I received a pre-qualified credit card offer from Capital One. It stated that the majority of people who receive the offer do qualify for the credit card. It stated that my income had to be {$850.00} over my mortgage amount. And it represented my credit report would not receive notice. I completed it, as required. Sometime after that, I received what apparently is supposed to be an adverse action notice ( Exhibit A ). Capital One had denied my application, however their notice was completely lacking in all the important matters required by law. 
Adverse action notices are designed to help consumers by providing transparency to the credit underwriting process and protection against potential credit discrimination by requiring creditors to explain the reasons adverse action was taken. Any valuable information to be useful to the consumer was omitted in Capital Ones notice. No reason was given and I was not provided the statutory information identifying the credit reporting agency. 
I quickly wrote to Capital One to ask for information about their denial ( Exhibit B ). I addressed my income, and such that was sufficient, determined I had been discriminated because of my age. After that, I never heard anything from Capital One. 
On XXXX XXXX, XXXX, again I found myself chasing after information. My letter of that date ( Exhibit C ) details my confusion about the treatment I was receiving. Since it was clear they were questioning my income, I forwarded copies of my XXXX XXXX XXXX. I pointed out the number of laws they continue to break. I never even received an acknowledgment for sending the tax return. 
I have spent a significant amount of time just calling to find out what Capital One is doing. When you call, they ask for your social security number. Once I dial it in the key pad, my experience has been they keep you on hold generally about 45 minutes hoping you will give up and they wont have to bother with you. 
When I called on XXXX XXXX, XXXX, I was fed up. No one should be treated this way, and no one should make the decision they have a right to treat you in such a manner. I called and spoke to XXXX ( Employee No. XXXX ). He didnt know anything about my application. When I told him I was tired of watching them break all the consumer protection laws at my expense, I advised I was going to file a complaint with CFPB. He told me to stay by the phone ; XXXX was going to call me, XXXX did call, but it was just foolishness to cover up the fact that I believe they denied me again. She told me my secured credit card was approved, but of course, that is not what the application was for. I did note, notwithstanding that fact that they represented my credit report would not have any record of the application, my credit report showed a hard hit inquiry from Capital One on XXXX XXXX, XXXX XXXX ExhibitD ). Then yesterday, I received a notice from XXXX showing another hard hit inquiry by Capital One dated XXXX XXXX, XXXX ( EXHIBIT E ). 
This was all one single application. It is against the law for them to file two hard hits for one application.

Company response to consumer: Closed with explanation