Consumer complaint received 2025-09-25 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: CA

Complaint narrative:
I activated a Capital One Offer for XXXX XXXX that advertised XXXX miles and made a purchase for {$97.00} on XX/XX/year>, and another for {$150.00} on XX/XX/year>, through giorgioarmanibeauty-usa.com. I followed all the offer requirements shown in the Capital One Offers portal, including clicking through the tile and completing the purchase in the same session. 

According to the offer terms ( still showing in my dashboard ), there is no mention that it is limited to one-time use, and nothing indicates that I would be ineligible after using it once. The offer even states that payouts are usually issued within 45 days but may take longer so I waited.

After not receiving the miles, I contacted Capital One several times and received inconsistent responses : One agent said the miles would post after the return window.

Another said it could take 45 days.

A third told me to wait up to 90 days and that Id be credited manually if needed.

Finally, a fourth agent said I would not receive any miles because the offer was one-time use only, which is not stated anywhere in the offer terms. 

Despite this, the same or similar XXXX XXXX offers continue to appear in my dashboard, which is misleading if Im no longer eligible. These high-value promotions influenced my decision to make purchases and I feel I was misled by incomplete and conflicting information.

Heres the XXXX XXXX offer rule ( I copied and pasted it from the offer still showing in my dashboard, even though they said its onetime use only ) : Merchant details : To redeem the offer you must make an eligible purchase at giorgioarmanibeauty-usa.com. Not eligible for purchases or redemption of gift cards. To earn the payout, you must be a Capital One cardholder or bank account holder, and logged in to your account on capitalone.com or the Capital One Mobile app. 

How to receive the payout We will attempt to issue the payout as rewards to your XXXX XXXX account ending in XXXX. Payouts are usually issued within 45 days of an eligible purchase but may take longer in some cases. Your account must be open and in good standing at the time we attempt to award the payout. In the event you have more than one account, we may apply the payout to any active credit card or bank account that is open and in good standing. This offer is valid for your use only and can not be used to buy and resell goods or services to other persons or third parties. 

What is a qualifying online purchase? 
To make a qualifying online purchase, you must click the button below, and then complete a purchase at the selected merchants site, in the window opened by the Capital One Offers tile, within 24 hours. If an offer specifically lists an available coupon on this page, you may use it on the merchants site, subject to any coupon-related conditions that we display, but you must do so within 24 hours of activating the offer and during the same open browser session triggered by your offer activation. Use of any other coupons, cash back, or promotional websites after selecting an offer and before making a purchase will invalidate your offer. Use of VPNs and ad blockers may also invalidate your offer. Online purchases made on websites without first being redirected by a Capital One Offers tile are not qualifying online purchases. 

How is the payout calculated? 
The payout for qualifying online purchases is calculated using the subtotal amount of your eligible purchase, which is calculated after any eligible coupons are applied, and excludes taxes, shipping, credits, and other fees. A payout earned through this offer is in addition to any rewards regularly earned with your card. If you return or cancel an otherwise qualifying purchase, you are not eligible for a payout. Payouts for subscription services are only awarded to new customers in their first billing period after the merchant has confirmed your payment has processed. Payouts are not available on trial memberships, unless otherwise stated. 

Read the complete Capital One Offers terms and conditions.

Disclaimers By clicking the button below you are agreeing to leave the capitaloneoffers.com website or the Capital One Mobile app and to be redirected to the selected merchant 's website. Capital One is not responsible for the terms and content or the privacy and security policies of other websites and mobile applications. If you have selected Spanish as your preferred language experience in your Capital One online preferences, we can not guarantee that the third party site to which you are being directed will offer a Spanish experience.

Company response to consumer: Closed with explanation