Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Application Status Number : XXXX Credit Card Company : Capital One I began applying for a credit card for our new business in early XX/XX/year> All documents were submitted that were required. Since the application, I have received the following email 5 times : Capital One Complete your Capital One account application process by verifying your information Sign in to upload documents Application ID : XXXX Hello XXXX XXXX, Youre almost done with your Capital One account application process! Were working on it, but first we need to verify your information to continue processing. Please provide one individual document type that supports the information listed on your application for EACH of the following by XX/XX/year> : Business documentation for XXXX XXXX XXXX XXXX documents A copy of ONE of these primary documents. The document must match BOTH the business name and the business physical or street address on your application. Articles or Certificate of : Incorporation/Unincorporated Entity Organization Association Good Standing Fictitious Name or Trade Name XXXX, XXXX or XXXX Registration Partnership agreement Trust agreement Secretary of State report Certificate of Existence If the primary document referred to above doesnt match the information on your account, send us the primary document and TWO of these secondary documents. The secondary documents must match BOTH the ( 1 ) business name and ( 2 ) business physical or street address on your application : IRS letter of tax status IRS letter assigning EIN Annual report ( either filed with Secretary of State or equivalent, or with an accompanying auditors letter ) Tax return from the most recent tax year, including completed paid preparer section Phone/utility bill issued within the last three months Government-issued business license Sign in to upload documents Please submit your documents by XXXX XXXX XXXX. You can also send them by mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If youre sending by mail, make sure to only send copies and write your application ID number XXXX at the top. They want 2 documents saying XXXX XXXX XXXXXXXX and the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL. XXXX Those requirements have been meet through submitting the tax letter from the IRS AND the Illinois Taxpayer Business Notification Authorization. Both have the above information. I received one letter in the mail with the SAME information as the email. So, 6 forms of communication. I have spoken to a representative 3 times and a manager 2 times. The latest was today, XXXX. The manager just read word for word the email that I was sent. She read the notes that it wasnt accepted but cant even verify which document the notes are referring to. She wouldnt look at the documents that were submitted .. just that they were there in my file. She continued restating the SAME email information. There was NO difference between a representative and manager from my experiences with Capital One. I have wasted 1 month ( as the application expires on XXXX ) t rying to get a credit card. Our company needs to start using one. 6 documents of information were provided to Capital One. I am happy to share all 6 if you would like. Why is this happening?

Company response to consumer: Closed with explanation