Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am attaching the following : A PDF attachment showing the complete communication chain between me and Capital one bank. 

A PDF of my most recent complaint letter to Capital One dated XX/XX/XXXX. I am submitting to them via this complaint so they can not play the " we didn't receive it game '' they have been playing since XX/XX/XXXX. 

A PDF of this complaint as it is lengthy. 


Subject : Violation of CARD Act of XXXX Improper Extension of Credit to Consumer Under Age 21 RE : Violation of Consumer Rights & Credit Protection Laws Capital One Bank Account ending # XXXX and # XXXX I am submitting this formal complaint to report a clear violation of the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( CARD Act ) specifically, 15 U.S. Code 1637 ( c ) ( 8 ) by Capital One Bank, a credit card issuer that extended credit to me when I was under the age of 21 without complying with the mandatory provisions set forth by federal law.

Despite receiving my initial complaint back in XX/XX/XXXX XXXX sent via USPS with a tracking number XXXX and confirmed as delivered. The letter included written authorization for the creditor to communicate with XXXX XXXX t on my behalf along with a demand letter, the creditor failed to provide any response regarding the authorization or demand. 
This constitutes a clear disregard for a legitimate consumer inquiry. When XXXX XXXX subsequently filed CFPB complaints on my behalf, the creditor falsely claimed they were not authorized to speak with her, despite being in possession of my signed authorization since XX/XX/XXXX. 
This deliberate misrepresentation appears to have been a calculated attempt to deflect accountability and delay addressing the underlying violations of the Credit Card Accountability Responsibility and Disclosure Act of XXXX. In response, I have submitted a second complaint letter directly from myself, which I am including with this filing to prevent any further evasion or bad-faith tactics by the creditor. 







Violation Summary : When I was under the age of XXXX, Capital One approved and extended two credit card accounts in my name. As required by the CARD Act ( Section 301 of Public Law 11124, codified in part under 15 U.S.C. 1637 ( c ) ( 8 ) ), a creditor may only issue a credit card to a consumer XXXX XXXX  if : The consumer has submitted a signed agreement of a co-signer, guarantor, or joint account holder who is over 21, OR The consumer has submitted financial information showing independent ability to make the required minimum payments.

In my case, Capita One Bank issued me the credit card without obtainin
g a co-signer agreement, nor was I required to provide documentation of independent income or financial ability to repay the debt. This issuance was unlawful and in direct violation of federal consumer protection laws.

Applicable Law : 15 U.S.C. 1637 ( c ) ( 8 ) ( B ) : A credit card issuer may not issue a credit card to a consumer under the age of 21 unless they have submitted either : o Financial information indicating an independent means of repaying obligations, or o A signed agreement from a qualified co-signer over age XXXX. 
CARD Act of XXXX, Section 301 : This statute was specifically enacted to prevent predatory and reckless credit extensions to young consumers without the capacity to repay.

Furthermore, any appearance of creditworthiness based on my FICO score was grossly misleading, as my credit profile was derived solely from being listed as an authorized user on another partys account. Your institution knew or should have known that an authorized user relationship does not demonstrate independent creditworthiness or income.

The decision to approve this individual for credit without verified income or a co-signer not only violated the CARD Act, but also constitutes reckless, irresponsible, and predatory lending. At the time of account origination, XXXX XXXX was a recent XXXX XXXX XXXX without full-time employment, steady income, or any reasonable ability to repay the obligations extended by your institution. As a direct result of this failure, the account is now in default, and I am financially insolvent.

Precedent : In similar enforcement actions, the CFPB has held credit issuers accountable for violating the CARD Acts protections. For example : The CFPB has previously investigated and penalized institutions for improper marketing or credit extensions to college students or young adults that failed to comply with CARD Act provisions ( CFPB Enforcement Action 2013-07 ).

There are notable consumer protection actions where courts penalized lenders for similarly reckless or unfair practices : The law is clear. 15U.S.C. 1637 ( c ) ( 8 ) explicitly prohibits issuing credit to XXXX individuals unless income is verified or a qualified cosigner is provided. 
Regulatory backing exists. Congress included the rule as a consumer protection measure under the CARD Act, indicating their intent to shield young, inexperienced consumers from taking on credit they cant repay.

Consumer protection precedent. Courts have shown they will step in on deceptive or predatory credit practices under statutes like New Yorks Executive Law, even when TILA alone wouldnt apply.

Requested Action : I respectfully request that your offices investigate this matter and : 1. Hold Capital One Bank accountable for violating the CARD Acts protections for consumers under 21.

2. Initiate enforcement or compliance action against Capital One Bank under applicable federal and Pennsylvania consumer protection laws.

3. Ensure restitution and correction, including but not limited to full cancellation of the debt or reversal of any negative credit reporting tied to the improperly issued account.

Thank you for your attention to this serious matter. I am prepared to cooperate fully in any investigation or inquiry you initiate. Please confirm receipt of this complaint and advise me of any further information required. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with non-monetary relief