Consumer complaint received 2025-11-20 00:00:00
Product: Credit 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: IN

Complaint narrative:
My name is XXXX XXXX, I am XXXX XXXX XXXX and have a loving wife ( not official but getting there ) and soon to be year old boy. I have recently received my XXXX XXXX as well as an amazing new opportunity to be a package handler for XXXX XXXX... I have never dabbled with credit until most recently with a loan at XXXX XXXX that I'm still currently paying on reliably to build my credit as well as a XXXX XXXX XXXX with a low limit of {$85.00} for occasional spending. As of yesterday I received my paycheck from XXXX and proceeded to apply for a XXXX XXXX XXXX to further advance my credit score, all of this in hopes that I can finance a dream car for my wife and child my problems arose when XXXX recommended me a XXXX XXXX XXXX XXXX XXXX ( I had decided against the XXXX before this that was sent to me in the mail so I was initially hesitant ) and low and behold what I didn't expect was to be approved for a card for {$300.00} I was incredibly joyous considering I could not only increase my credit score but do so while increasing the money in my wallet. I happily accepted the offer and was quickly approved use of a virtual card as well as account details to log in and possibly set up a future checking and savings, Awesome! With the card set up and plans in mind I immediately started taking action. First I made another payment on my XXXX XXXX  loan this time for XXXX dollars and some change, this was mainly to make sure I could actually use the card and indeed it did work. I proceeded to go to the store and made an attempt for a {$100.00} visa gift card for my wife as a surprise and that's when it happened. I was restricted from my account due to " suspicious activity '' even though hours if not even minutes earlier I had just made an approved transaction of XXXX XXXX DOLLARS to XXXX XXXX for a loan... Disregard the fact that it is only the second transaction made on this XXXX XXXX credit card but if this {$100.00} purchase is suspicious activity then why wasn't the transaction that's XXXX dollars less considered " Good To Go ''?? Let alone this ridiculous predicament I proceeded to call the customer support line right away and they began throwing me through loops of bank statement and social security verifications just to say they still have to wait 10 days for the verification but mind you it has been 3 days since and I have made an effort to call every day and somehow even though they have received my bank statements I still am required to wait 10 ( and now being informed ) if not more days. I and many others I'm sure believe in 2025 where time AND MONEY are anything but precious this is a horrible way to treat new adults in search of a financially stable future not only am I unaware of if I will still have to pay this loan but I have no way of ensuring verification and my credit as well as my financial needs have no time to wait 10 days for something as little as a result let alone a physical card yet. I fear my credit will be affected more than it already has considering getting this card caused a hard pull on my score but as much as I want to discontinue use I would like to unrestrict and be capable of using the account so I may pay off any unsettled debts, fees, or contracts and hopefully when the time is right move my credit to more trustworthy and caring card company. I find it very depressing that such an esteemed Company would let something as minor as their customer service taint their image because within the first 2 days of usage let alone exploration I feel neglected as well as discouraged... I hope the CFPB can intervene and resolve this situation

Company response to consumer: Closed with explanation