Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I applied and received a approval notification email on XX/XX/year> for a Cap one XXXX card. The approval email said the card should arrive within 7-10 days XX/XX/year>, XXXX " Its officialyoure approved and your new card should arrive in 710 days. Youll get a complete guide to your benefits in the next few days, but in the meantime, check out your important disclosures, including rates and fees, and download a copy for your records. '' Which would make XX/XX/XXXX the 10 days. I then followed the prompt on the email and signed up for the mobile app for access and set up mobile account. On XX/XX/XXXX Sunday I called Capital One because they sent the approval notification again, which was confusing since I was already approved on the XX/XX/XXXX. When I called in the representative stated I was not approved yet and that further verification was needed. They asked me to upload my photo as well as copy of my driver 's license. The representative reviewed the documents and stated everything was verified and I was approved again. I let them know that I was going on vacation on XX/XX/XXXX, and intended to use the new card for purchases and was under the impression that I was already approved per the previous emails. They let me know to not worry everything was approved and I can expect to receive the card by XX/XX/XXXX Thursday XXXX the latest. I waited and did not receive the card and I called back on Thursday XX/XX/year>. I spoke to a representative and explained my conversation with the previous representative and asked for a tracking number to see if I will receive the card before my vacation. The rep tried to expedite the card but then stated since its the first card it could not be expedited and then stated the card will arrive by XX/XX/XXXX. I voiced my frustration since it is longer than the 10 days from the initial approval on XXXX XXXX email, but they argued the card wasn't " created '' until XX/XX/XXXX. After the call ended I received another notification on my phone that the card was restricted due to fraud concerns. So I called back again on XX/XX/XXXX evening and this time the representative asked for verification by asking me to upload my driver 's license again and a copy of a bankstatement. They then stated it will take 10 days to review the documents and they will get back to me afterward. I waited till Saturday XXXX XXXX to see if the card was delivered in mail. At this point I'm beyond frustrated, because I don't think they even ask criminals to provide this much proof of identity to open a credit card. They required a photo of my face, copy of my driver 's license twice, copy of my bankstatement and each time i called they verified my phone number. I called back Saturday evening XXXX XXXX Cap One one last time to cancel the card since I didn't receive it on time. The representative who picked the up the call said they didn't receive my documents so I wasn't approved yet, then they put me on hold and said Oh we received your documents but haven't reviewed yet, it will take 10 days to review. I know for a fact it doesn't take 10 days to review two pieces of documents. I asked to close out the account and asked her to file a complaint for this disgusting unfair and frustrating credit approval process. I don't think it's unfair to request for tracking number for the card or asking to see if card can be expedited for use. Capital One seems to be using deceptive practices, they ask for verification docs and then send approval emails then ask for verification documents and say you're approved and then they flag the account for verification again and asks for even more documents. I feel discriminated against, I'm not sure if it's my photo, my name from my license or my address but Capital one is a discriminative company. Since they can not hold up their words and keep delaying approval even after sending notification of approval TWICE, I am requesting they delete all of my information, both from the application submitted, and from my identity information and remove the hard inquiry from the credit report. Capital One over-verifies XXXX XXXX XXXXXXXX, I bet they just hand out card to others with XXXX XXXX XXXX. They shouldn't hold on to my information when they can not hold on to their own words.

Company response to consumer: Closed with explanation