Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened a Capital One XXXX XXXX credit card on XX/XX/year> under a public welcome offer of XXXX miles after {$4000.00} in purchases within 3 months. 

On XX/XX/year>, only a few days after my approval, Capital One began advertising a new public welcome offer for the same card of XXXX miles after {$10000.00} in purchases within 6 months. 

I am still within my first week of having the card and am willing and able to meet the higher {$10000.00} spend requirement. However, when I contacted Capital One by phone on XX/XX/XXXX & XX/XX/XXXX and via secure message on XX/XX/XXXX to request a match to the XXXX-mile offer or an equivalent adjustment to my welcome bonus, I was told that no adjustment was possible. 

In effect, I am receiving a materially inferior bonus solely because I applied days before Capital One decided to raise the publicly advertised offer. Given the extremely short timing and the central role that welcome offers play in marketing this card, I believe this outcome is unfair. 

I am not asking Capital One to extend a long-expired promotion ; I am asking to be treated the same as a consumer who applied only a few days later under the elevated offer. 

LINKS : News website mentioning the elevated offer XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Capital One Website with the elevated offer XXXX XXXX XXXX XXXX I have written my notes on the transcripts I've had with all customer service representatives for Capital One. With the names, dates and summary of the attempts I've made to contact Capital One : TRANSCRIPTS : * * First rep * * Name : XXXX Date : XX/XX/XXXX Notes : Rep informed me when you sign up for a credit card the offer that is displayed on the website is the one you will be given. Capital one does not retroactively change offers * * Second Rep - Supervisor * * Name : XXXX Date : XX/XX/XXXX Notes : XXXX XXXX 's supervisor, can't change the terms of the account. No terms can be changed for an established account * * Online Rep * * Name : Markchesster Date : XX/XX/XXXX Notes : Chatted with XXXX in the accessibility live chat on the capital one website. He said that the travel department is the only ones who are able to review this & possibly do an adjustment for me as a valued customer He then responded that I could call the Travel department XXXX XXXX XXXX XXXX XXXX with my complaint and gave me a reference number : * * ref # XXXXXXXX XXXX XXXX XXXX XXXX  Third Rep - Travel Deparment * * Date : XX/XX/XXXX Name : XXXX Notes : She informed me that it's only for new XXXX XXXX  customers so if I had a previous XXXX XXXX  I would not be eligible. I Escalated to a supervisor. 

Fourth Rep - Travel Department Date : XX/XX/XXXX Name : XXXX Notes : XXXX XXXXXXXX XXXX  supervisor reiterated the same thing. That capital one does not retroactively reconsider an individuals welcome offer at the time of signing up and that it is only for new capital one XXXX XXXX  card users.

Company response to consumer: Closed with explanation