Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
This complaint is filed against Capital One Bank ( USA ), N.A. for engaging in unfair, deceptive, abusive, discriminatory, and unlawful lending, credit-handling, and reporting practices that have severely harmed me financially.

Capital One : Denied me credit across multiple applications without lawful or transparent justification Demanded excessive and unreasonable documentation not required of similarly situated applicants Continued reporting charges and negative data AFTER denying or blocking credit Refused to dismiss charges tied to an account they denied and refused to open properly Damaged my credit score through hard inquiries, derogatory reporting, and failure to investigate Failed to provide legal disclosure and adverse action notices under Regulation B Violated federal consumer protection law, credit reporting law, and lending standards Their actions constitute direct violations of federal law, resulting in credit damage, financial harm, emotional distress, and loss of financial opportunity.

Intervention by the CFPB is mandatory.

-- - II. CAPITAL ONES MISCONDUCT Capital One engaged in the following unlawful behavior : -- - 1. Wrongful Denial of Credit Without Legal Justification Capital One repeatedly denied my credit applications while : Providing incomplete or unlawful adverse action notices Failing to give specific reasons for denial as required by law Applying discriminatory or irregular underwriting standards Demanding documentation beyond what is legally permissible This violates : 12 CFR Part 1002 ( Regulation B Equal Credit Opportunity Act ) 15 U.S.C. 1691 ( d ) Proper adverse action notice requirements -- - 2. Continuing to Bill, Charge, or Report Activity on Accounts They Refused to Approve Capital One denied me credit but : Still imposed charges Still reported activity to credit bureaus Still placed derogatory marks on my credit Still allowed balances or fees to remain This is illegal, because a creditor can not : Deny credit THEN treat the consumer as though an account exists AND report negative behavior on a non-existent or improperly opened account Violates : FCRA : 15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate or misleading information FCRA : 15 U.S.C. 1681s-2 ( b ) Failure to investigate disputes UDAAP : 12 U.S.C. 5531 & 5536 Unfair and deceptive acts Case Law : XXXX XXXXXXXX XXXX XXXX XXXX Reporting disputed debt without proper context = unlawful XXXX XXXX XXXX XXXX XXXX XXXX must correct erroneous credit data -- - 3. Damaging My Credit Through Improper Hard Inquiries Capital One : Performed hard inquiries Denied the credit Left the inquiry on my report Refused to remove it despite their errors Hard inquiries resulting from non-completed or improperly processed accounts violate : UDAAP standards for fairness Regulation B adverse action transparency requirements FCRA accuracy obligations This caused measurable damage to my creditworthiness.

-- - 4. Failure to Investigate Errors and Disputes I disputed : Incorrect reporting Illegitimate charges Improper inquiries Denied-but-charged account activity Capital One ignored or inadequately handled all disputes.

Violates : FCRA : 15 U.S.C. 1681i Duty to reinvestigate FCRA : 15 U.S.C. 1681s-2 ( b ) Furnisher obligations Case Law : XXXXXXXX XXXX XXXXXXXX  Furnishers must conduct meaningful investigations -- - 5. Discriminatory Credit Practices Capital Ones conduct indicates : Unequal treatment Unlawful documentation demands Discriminatory internal scoring practices Violates : 12 CFR Part 1002 ( Regulation B ) ECOA 12 U.S.C. 1691 Prohibition on discrimination in credit decisions -- - III. FEDERAL LAWS VIOLATED BY CAPITAL ONE The following violations apply : -- - 1. Equal Credit Opportunity Act ( ECOA ) 12 CFR 1002.4, 1002.9, 1002.12 Capital One : Failed to provide lawful adverse action notices Evaluated my credit using irregular, discriminatory standards Required documentation beyond what is allowed Blocked access to credit opportunities -- - 2. Truth in Lending Act ( TILA ) & Regulation Z 12 CFR 1026.5 ( a ), 1026.12, 1026.60 Capital One violated : Disclosure obligations Transparency requirements Customer rights in credit application processes -- - 3. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) - ( b ) 15 U.S.C. 1681i Capital One : Furnished inaccurate information Failed to conduct investigations Continued reporting balances or charges after denying credit Case Law : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX -- - 4. Consumer Financial Protection Act ( CFPA )

12 U.S.C. 55315536 ( UDAAP ) Capital Ones conduct is : Unfair Deceptive Abusive These are the core violations the CFPB is empowered to punish. -- - IV. DAMAGE SUFFERED As a direct result of Capital Ones unlawful behavior, I suffered : Credit score damage Denial of credit elsewhere Emotional distress Financial instability Wrongful negative reporting Blocks on account approvals Costs associated with rebuilding credit These damages are fully compensable under : FCRA ECOA UDAAP Contract and tort principles

Company response to consumer: Closed with explanation