Consumer complaint received 2026-05-26 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: NJ

Complaint narrative:
Capital One Venture Card Case Number - XXXX Capital One XXXX XXXX Reference Number - XXXX After applying for and being approved for a Capital One XXXX XXXX in XX/XX/year>, we moved all of our recurring bills, as well as our daily spending/purchases, to our new Capital One XXXX XXXX. Because the credit limit was too low for what we needed, we requested an increase to meet our needs. Capital One responded that a higher credit limit was not available to us because it was a new card, even though our credit scores and histories are quite positive. Instead, we made a plan to pay down our Capital One XXXX XXXX as needed so that we could continue to use it on a daily basis as planned. When we attempted to make the XXXX payment to our Capital One XXXX XXXX on XX/XX/year>, an alert was sent, and we had to prove that the account that we were paying our Capital One XXXX XXXX was indeed our banking account. With us on the line, Capital One XXXX XXXX called our banking institution so that it could be verified that we were indeed account owners. Although we appreciated what seemed like extra security that Capital One was providing, it was the first hoop that Capital One had us jumping through. We went on a XXXX vacation that took us to XXXX and XXXX by plane, train, ferry, and cruise ship. We used our Capital One XXXX XXXX all during the trip, making sure to pay down the balance as needed along the way. There were XXXX ( XXXX ) instances in which the card was declined because of not enough credit. We paid the card off both times and continued to charge on it. After returning home, there was a doctor 's appointment on XX/XX/XXXX, with a {$15.00} copay, that flagged another fraud alert after XXXX days of traveling abroad, without XXXX fraud alert. We called the number provided by Capital One XXXX XXXX and were told that we need to provide XXXX consecutive months of banking statements for verification and that our Capital One XXXX XXXX would be restricted until the information was provided. We could understand income verification, but to provide our banking statements that contain personal information, including medical, seemed outrageously invasive to us. It seems that Capital One did not perform their due diligence during our application process, and now we are the ones who are being penalized and put upon. After talking about all of our alternatives and choices, we moved ahead with sending REDACTED copies of the XXXX ( XXXX ) bank accounts, for the last XXXX ( XXXX ) consecutive months, from which we pay the Capital One XXXX XXXX on XX/XX/year>, with a Capital One XXXX XXXX that is still restricted, of no use to us, and is declining our recurring charges, creating even more work for us to go and pay these charges with another method. It is now XX/XX/year>. We just got off the phone with Capital One. We are being told that the information that we submitted ; redacted copies of the XXXX ( XXXX ) bank accounts, for the last XXXX ( XXXX ) consecutive months, is not adequate and that more information is needed. We once again stated our deep concerns with providing so much personal information ( XXXX, XXXX, etc. ) only to be told that our Capital One XXXX XXXX will continue to be restricted. We have decided to cut our losses, pay the remaining balance and be done with the evasive, and what seems like illegal practices of Capital One.

Company response to consumer: Closed with explanation