Consumer complaint received 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a capital one quicksilver card on XX/XX/year>. It has a {$300.00} limit which is weak but whatever Im trying to rebuild my credit. After verifying my identity previously before receiving the card ( received a notice in the mail with verification instructions ) XXXX I believe the letter is dated, I finally received the card after verifying a few weeks prior to the card being shipped to me. I tried activating online but it wouldnt allow me. I then called and activated the card. I made two {$3.00} purchases at XXXX and a {$15.00} purchase at a gas station. I tried using the card again and it was denied I called the number and they said I needed to verify my identity once again. Im thinking okay Ill send my id in while Im on the phone with the rep. Nope, they needed more information from me than any other company Ive done business with. While having to wait up to 10 business days for a response finally 8th business day I received a call back saying we need these documents now. So, I sent them in to be told that was fine and wait to hear from another rep. A few more days go by and I now have already received my billing statement. So I call to say this is unacceptable and you need to address this issue I had to verify before they even sent me my card the card is connected to my phone number which the automated system says when I called to resolve the issue. Its connected to the same online account as my other capital one card. None of this is making any sense nor is it helping me in any way. I call for like the 6th time and I believe most of the issues stem from the huge language barrier present and the fact that they just read whats on the screen prompt without allowing you to speak. They are rude cut you off, because in all honesty they dont care what your situation is, its obvious with the interactions Ive had with multiple reps, you are their last concern. If thats not the case thats how they make you feel. Anyways this situation could have been 1000 % over with had these fraud reps knew how to communicate and request proper documentation. If they understood what the documentation was thats being requested etc. they are uneducated to the capital one verification process as its now been over 20 days with no resolution to this. Im sick and tired of being given the same runaround prompted answers without getting anywhere with this issue. Please help me before I lose my mind dealing with these incapable reps. Ive even asked for supervisors and all they do is read the same prompts the reps have. Its more than ridiculous at this point and the fact that this is not being expedited when Ive repeatedly requested to have it expedited is beyond frustrating. I cant even call anymore and deal with these people because of how they make me feel emotionally after constantly having to repeat myself and not getting anywhere with them repeatedly. Its the worst customer service Ive ever experienced. The absolute worst!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation