Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
received a preapproval offer for a CapitalOne Savor credit Card via XXXX XXXX, completed my identifying information, most of the information was pre-populated and I confirmed it was all accurate. The application via the pre-approval was submitted on XX/XX/XXXX. After submission of the application, I received an email from XXXX urging me to complete my credit card application by verifying my information and the email contained a hyperlink to a CapitalOne site where I would need to sign in to upload my requested documents. 
The requested document was solely one and stated : Government-issued photo ID - state issued driver 's license or ID ( front and back ) The email further urged me to submit my documents by XX/XX/XXXX and I could also send them by mail to XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX 
Application ID referenced was : XXXX. 

Immediately after receiving the email, I logged in to the Capitalone site : https : //applicationcenter.capitalone.com/XXXX XXXX XXXX XXXX XXXX XXXX which called for last 4 digits of social, dob and zip code. 

I gained access to the site and 1- Reviewed the " additional information letter '' which also called for a copy of my identification 2-Uploaded a photo of my identification via the upload link that was available on the page I previously had a similar problem with 1 other prior credit card company ( this other company did not send emails or have a site, they called from unknown numbers- this is yet another issue ) Because of my past experience, I logged in every day, and attempted to submit my Identification a second time as well. 
I ultimately received a denial decision of DECLINED, with an Adverse Action Letter on this same site on XX/XX/XXXX. 
The letter advised the reason as : -Based on your application information, applicant 's identity can not be verified. 

the letter futher states that if I feel they missed something or if they misread my information to address them via written correspondence to the XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX address, no phone number listed for contact. 

The application was denied and my credit pulled despite the multiple reasons 1 ) preapproved 2 ) I am an existing client of CapitalOne with open credit cards, where my information on file matches the information on my application 3 ) The requested Government Identification was provided via their preferred method on the same day as requested. There were no calls, no email or any other request to verify my identity. 
I reviewed my call log and did not uncover any calls on any subsequent days from XX/XX/XXXX - XX/XX/XXXX from CapitalOne from any toll free numbers. 
I received 2 calls from unknown local area code numbers, but when I dialed back those were for telemarketing. 

I do need to clarify that my credit report lists my telephone number as a way to verify my identity. 

Need assistance with CapitalOne credit applications and verification of identity, I would expand on the request as I had a prior creditor try and do the same thing ( will file a separate complaint as their issue was even more egregious ) I now have a 1-2 inquiries on my credit report for a card that I should have qualified for ( I did not get an immediate denial and I prequalified and currently qualify for their card ) because they allege were unable to confirm my identity where I complied with their request.

Company response to consumer: Closed with non-monetary relief