Consumer complaint received 2019-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I have been a Capital One card holder for many years in the past and for the present, over 1 year. I have done business with Capital One credit card services since XXXX. I have several credit cards, and I am not past due on any of them. My present Capital One credit card is current and I have never been late on a payment or missed a payment on any of my Capital one credit cards, past or present. I get updated FICO scores from all three credit bureaus once a month and my fico score with XXXX XXXXs XXXX, XXXX XXXX, XXXX  XXXX at the present time. I applied for a XXXX XXXX XXXX XXXX credit card for points, but I was denied according to the letter of denial I received from Capital One dated XX/XX/XXXX says the reason ( s ) for  the denial was I. Length of Revolving credit history. 2. Number of personal Finance Loan ( s ). 3. I have one loan active ( unsecure loan ). 3. Credit limits on recent bankcard Account ( s ). ( no explanation, vague to say the least. 4. Insufficient experience with high lines of credit or credit amounts. I have over {$15000.00} line of credit, and I have over 8 years of credit history with high lines of credit, as well as different types of credit experience, credit cards, secure loans, unsecure loans, etc. showing on my credit reports, shows all of the loans paid off except for one I am paying on, shows no past due amounts owed any where, etc. MY credit bureau reports shows some old closed accounts as well as open accounts with various types of credit, most of it is seasoned credit accounts, some open over a year, some three years, some over 8 years, some over 30 years. So there is no reason for me to be denied the credit card I applied for XX/XX/XXXX. I did call after I received the letter of denial to ask to speak to someone in credit, or a manger so I was put through to a floor supervisor and he said that there was no error and that there would be no review or appeal, and I thought a consumer had a right to ask for a review/appeal, but he said no, and I know that is incorrect. There is nothing wrong with my credit, and since I already have a capital one credit card ( XXXX XXXX ), I thought I would upgrade, or apply for another one that XXXX XXXX had recommended for me based on my credit scores. when I spoke with the rep from Capital One, he was rude, indifferent, didn't seem to care about keeping my business, he talked over me and would not let me get a word in edgewise, so he hung up. I believe I was treated unfairly, and with biasness, wouldn't let me speak to anyone in credit department about a review of the application. It appears to me that the denial was based on what a machine spit out, and a human being did not look at the application cause if that would have happen, I believe I would had been approved. The spokesmen did not allow me to speak to credit department, who makes the decision ( s ) to grant or deny credit. That is not right, and I believe it violates the consumer rights laws in accordance with FCRA and CFPB. The rep told me that they used the lowest FICO score XXXX XXXX instead of using XXXX ( XXXX ), and I thought that was strange, if capital one wants more customers, how come they didn 't use the highest FICO score to make a good decision?