Consumer complaint received 2023-03-27 00:00:00
Product: Credit card or prepaid 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: FL

Complaint narrative:
My Venture Card was expiring, so Capital One mailed new cards to my wife and myself. The cards had not arrived after 45 days, so I called and reported that they were probably lost in the mail. I sent a copy of my passport as my drivers ' license had expired to the credit card department. As it turns out, they sent the passport to the security division which is also the fraud division as well. They blocked the card for security, but before mailing me a new one they wanted proof of my identity. My passport, expired drivers liscence, and having multiple accounts with all the accumulated data was not enough In looking at my credit report, my credit score is over 700 and good credit with all companies, however Capital One has been making inquires on my account about every 4 months. This is problematic. I have had contact with Capital one since XXXX and have other accounts as well with them. I continue to pay on all accounts each month and can provide info on payments etc.. All use the same identifying information -- address, social security number, date of birth etc. I am still waiting for my card. 
Recently I received a email from Capital One Visa informing me that my credit limit was being raised because of my good payment history. Are there separate divisions for Visa and Venture Cards that do not share info and that operate under different rules. I am very happy with their response, but I. still wish to receive my Venture Card. I now have multiple cards for my wife and myself that are unusuable. 


Re : XXXX XXXX XXXX, your credit line increased to {$4300.00} XXXX XXXX Sat XX/XX/XXXX XXXXXXXX XXXX _XXXX XXXXXXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : Capital One XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : XXXX XXXX XXXX XXXX your credit line increased to {$4300.00} Nice job! Your new credit line is {$4300.00}! 


Heres a high-five to your responsible credit-building journey. We have increased your credit line for your account ending in XXXX from {$2300.00} to {$4300.00}. 


Why did I get a higher limit? 

We increased your credit line based on several factors including the way youve managed your account. 


Did Capital One do a hard pull on my credit to make this decision? 

No, Capital One used soft inquiries, which had no impact on your credit score. Check out this article to learn more.

How could this credit line increase impact my credit score? 

Check XXXX from Capital One to see how your credit line increase may impact your credit score. Plus, get free personalized suggestions and alerts to help improve your score.

Dont want your credit line increase? 

Just call XXXX ( XXXX ), and well reset your credit line back to its previous limit. 



Keep up the good work and thanks for choosing Capital One. 





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Where does my XXXX score come from? 
Your XXXX score is calculated using the XXXX XXXX XXXX model, which is one of many credit scoring models. It may not be the same model your lender uses, but it is an accurate measure of your credit health. The availability of the XXXX tool depends on our ability to obtain your credit history from XXXX. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at ( or you do not have a file at ) one or more consumer reporting agencies. Alerts are based on changes to your XXXX and XXXX credit reports and information we find on the dark web. 

The XXXX XXXX provides an estimate of your score change and does not guarantee how your score may change. 



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Company response to consumer: Closed with non-monetary relief