Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I've endured discriminating behavior from your Company, Capital One, please advise me XXXX XXXX on how you'd like me to proceed? Please review your company 's abhorrent behavior over the years, against me! 


-- -- -- -- -- -- -- - Wed, XX/XX/XXXX, XXXX ( 9 days ago ) to XXXX bcc : me Capital One, this is truly UNBELIEVABLE? Your Company Capital One Company is discriminating against me for being a prior victim of your fraud policy back in XX/XX/XXXX, see your letter to me from your Customer Fraud Protection Team, XXXX XXXX. 

Despite your companies DISCRIMINATORY, ADVERSE AND NEGATIVE actions against me, sending your companies losses to a third party creditor, XXXX XXXX for me to have to fight with XXXX ALL OVER AGAIN DESPITE CAPITAL ONE 'S CLAIM TO HAVE XXXX FRAUD LIABILITY WITH ITS CUSTOMERS? I HAD TO FIGHT WITH XXXX ALL OVER AGAIN TO GET THEM TO XXXX DOLLARS OWED FROM MY BEING A VICTIM OF FRAUD. I'VE BUILT MY CREDIT SCORE BACK UP DESPITE WHAT CAPITAL ONE DID TO ME AFTER BEING A VICTIM OF FRAUD BACK IN XX/XX/XXXX? I NOW HAVE THANKFULLY AFTER YEARS OF HARD WORK BUILT MY CREDIT SCORE BACK UP TO XXXX PLUS ACCORDING TO MY BANK XXXX DESPITE WHAT CAPITAL ONE DID PERSONALLY TO ME, A CUSTOMER OF CAPITAL ONE BACK IN XXXX WHO BECAME A VICTIM OF FRAUD!

I have tried at least a half dozen times SINCE XXXX to become a Capital One customer again despite what Capital One did to me and I keep getting denied? After my letter of XX/XX/XXXX I asked you to NOT send me a denial form letter, and your company does exactly that, they send me a form letter with no additional reasons on why your company cant or wont approve my application? Capital One sends me the same denial form letter? Capital One keeps saying Based on my application information, Capital One has observed activity on one or more of your Capital One accounts that is inconsistent with typical customer usage.

What does this denial letter you keep sending to me mean?

1 ) I currently do NOT have a Capital One account?

2 ) I currently live in 2 residential addresses so it would appear your company is discriminating against me for being a prior victim of fraud with Capital One back in XXXX and living in 2 residences? See your letter to me from Capital One back in XX/XX/XXXX. 

What is the reason Capital One that you are standing on your position of denial? Is it reason 1 or 2?

Whatever the reason, it appears Capital One is severely discriminating against me, in my opinion! Look at the waste of money from Capital One sending me TWO DENIAL LETTERS BY EXPENSIVE XXXX  NOT ONE TIME BUT TWO DUPLICATE DENIAL LETTERS FROM EXPENSIVE XXXX  ON XX/XX/XXXX, REALLY????????????? 

Your company position is very much discriminatory because of my previous status of being a previous victim of fraud with your company back in XX/XX/XXXX AND BECAUSE I AM XXXX your company is NOT giving me any clarification however, it is obvious Capital One 's behavior against me is discriminatory? 

I told the Capital One Customer Care Team on several occasions to give me clear reasons why C.O. keeps denying me or my next letter correspondence will be directed to your CEO, XXXX XXXX? 

Thank you, XXXX, for your professional courtesy and cooperation in this long approval process for just a simple credit card from Capital One Savor Card? Ive also given Capital One plenty of reasons for approval, like my credit scores being above XXXX and higher! I own a XXXX XXXX dollar home in XXXX CA and I also earn close to XXXX tax free because of my XXXX! 

XXXX, will you approve me for the Capital One Savor Credit Card? 
OR XXXX, am I sending my next complaint letters to the XXXX XXXX XXXX, XXXX, because I am XXXX? Also, I can start blogging all over social media about how the Capital One Fraud Protection Program is actually an outright lie, as look how I was treated by Capital One back in XX/XX/XXXX following my becoming a victim of fraud when I was a customer of Capital One back in XXXX. 

XXXX, please provide me with some clarity on how I am to proceed in this Savor Credit Card application process? This in my opinion, should have been an automatic approval for me/us a long time ago? 

XXXX if approved, please send me/us a Capital One Savor credit cards one in our names of -- -- - to our * second address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you XXXX, for your consideration, professional courtesies and cooperation in this long outstanding approval process for a simple credit card.

Company response to consumer: Closed with explanation