Consumer complaint received 2025-03-05 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: GA

Complaint narrative:
Adverse Action Letter I received on XX/XX/XXXX. The reason for denial is Based on your application information, application submitted is incomplete or can not be verified.

Capital One sent me a correspondence for a credit card for my business. I completed the application with my business information including my businesss EIN number. Upon completing my application, I received an email from Capital One requesting additional documentation. As well as a notification from XXXX XXXX concerning a hard inquiry made by Capital One. Per the request I uploaded my state driver license and my EIN number documentation. Several days letter I received a letter requesting the same information I uploaded. This communication triggered me to call into Capital One for clarification. I had two questions for the representative. My first question why was my personal credit pulled if I entered my EIN # and my second question have Capital One received my uploaded documents? I was told regardless if Im applying for business credit my personal info ( credit report ) will be pulled. The second answer I received was the documentation for my social security number wasnt received. Which I explained that I was using my EIN # in place of my SS # due to this being a credit card for my business. I was told Capital One does not use EIN # s but individual tax id numbers. At that point I uploaded my social security card. Please keep in mind Capital One has already ran my credit prior to this conversation. Two hours later I received a Adverse Action letter from Capital One.

I was told I have to resubmit another application and have my credit pulled a second time.

Lets analyze this, I filled out the application for my business since the correspondence was addressed to my business. I used my EIN # but I provided documentation for my EIN # which list my name, my business name and my address. Then I provided my state issued driver license ( 2nd documentation ) which displays my name and address. Then upon request I provided my social security card ( 3rd documentation ) which list my name. In addition, I currently have a Capital One Quick Silver credit card.

If Capital One is reviewing my application and see an EIN # that ends with XXXX then you received documentation verifying its an EIN associated to me. Then you received my social security card which would identify the error that was made but it also verifies who I am. On top of that Capital One pulled my credit report. How was Capital One able to do that? I did not list my social security number. Either way, Capital One know its associated to me. I have a credit card with Capital One with my social security # associated with it. You mailed me the offer to my address. So how is it Based on your application information, application submitted is incomplete or can not be verified? Capital One received all requested documentation. What is the issue?

What is written above was written in a letter with additional information and mailed to Capital One on XX/XX/XXXX. Asking Capital One for an explanation and to review my application again without running my credit again ( credit reports should be good for 60-90 days ). I asked for a response. On XX/XX/XXXX I called Capital One for an update because I never received a response. I spoke with an agent who told me I was outside the window to request a review. I explained I wrote a letter as I was instructed by the email received. I requested to speak with a supervisor. I was transferred to XXXX ID number XXXX. I explained the situation. XXXX rudely informed me that my application was denied and Capital One was not required to contact me again with the findings. Since that interaction I have sent an email to Capital One 's Executive Offices at the following email : XXXX. I have not received a response or acknowledgement of my email.

If Capital One does not want to extend credit to my business that's fine, that's not my issue. My issue is my personal credit report. I did not want my personal credit pulled. Please review the application, I did not provide my social security number. I would like that hard inquiry removed from my credit report.

Company response to consumer: Closed with explanation