Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding Discovers repeated denials of my credit line increase requests despite my longstanding relationship with the company, consistent on-time payment history, and responsible account management. I have been a XXXX cardholder for more than two years. During that time, I have consistently made payments on time and maintained my account in good standing. I have used the account responsibly and have demonstrated a reliable repayment history with XXXX. Despite this positive account history, XXXX has repeatedly denied my recent requests for a credit line increase. My concern is not simply that XXXX denied the requests. I understand that lenders have discretion in credit decisions. My concern is that XXXX appears to be relying on outdated, incomplete, or stale information instead of conducting a meaningful and current review of my actual relationship with the bank and my present financial profile. A credit line increase review should not be based only on old credit snapshots or automated scoring factors that may no longer accurately reflect my current situation. XXXX has direct access to my internal account history, including my payment behavior, account age, responsible usage, and the fact that I have maintained the account in good standing for more than two years. That history should carry real weight in any fair reconsideration. I am requesting that XXXX conduct a genuine manual reconsideration of my credit line increase request rather than relying solely on an automated denial or outdated credit information. I also request that XXXX review the most current available information, including my recent payment history, current income if needed, present credit profile, and the positive internal relationship I have built with XXXX. The repeated denials have created concern that Discovers review process may not be giving proper consideration to established customers who have demonstrated responsible payment behavior. If XXXX is relying on credit bureau information, I request that it confirm that the information used was current, accurate, and complete at the time of each decision. If XXXX relied on internal criteria, I request a clear explanation of the principal reasons preventing approval and what specific conditions would need to change for a credit line increase to be approved. My desired resolution is for XXXX to : 1. Conduct a true manual reconsideration of my credit line increase request ; 2. Review my current credit and financial information, not stale or outdated data ; 3. Give appropriate weight to my more than two-year relationship and consistent on-time payment history ; 4. Provide a clear explanation of the specific reasons for denial if XXXX continues to decline the request ; 5. Approve a reasonable credit line increase based on my account history, payment performance, and present financial profile. I am not asking XXXX to disregard risk or approve credit without review. I am asking for a fair, current, and individualized reconsideration based on accurate information and my actual history as a XXXX customer.

Company response to consumer: Closed with explanation