Consumer complaint received 2026-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
To Whom It XXXX Concern, I am submitting this complaint in response to an adverse action taken by XXXX XXXX  Capital One, N.AXXXX XXXX XXXX  regarding my application for a XXXX XXXX credit card. 

XXXX XXXX Consumer Information XXXX  * Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Application ID : XXXX Creditor : Capital One, N.A. 
Date of Credit Decision : XX/XX/scrub>XXXX XXXX XXXX Credit Score Used : XXXX ( XXXX XXXX XXXX XXXX  Statutory Basis and Natural Person Standing * * Under * * 15 U.S.C. 1681a ( c ) * * of the Fair Credit Reporting Act ( FCRA ), I am a * consumer *, defined as a * * natural person * * whose creditworthiness, character, general reputation, or mode of living is evaluated. Additionally, under * * 15 U.S.C. 1611 * * of the Consumer Credit Protection Act, creditors are prohibited from interfering with or discouraging a consumers lawful exercise of rights provided under federal consumer credit laws.

This complaint is based on Capital Ones failure to properly evaluate and lawfully apply consumer reporting information to me in my capacity as a Natural Person consumer, and its reliance on conclusory and unsupported reasoning in issuing an adverse action. 

* * Basis of Complaint * * Capital Ones adverse action notice states that the denial was based on the conclusion that income is insufficient for the amount of credit requested, allegedly derived from XXXX or more consumer reporting agencies. This determination is deficient for the following reasons : XXXX. * * Lack of Substantiation * * The notice does not identify what income information was relied upon, whether such information was furnished by a consumer reporting agency, or how it was determined to be insufficient. Income is not inherently a credit-reportable metric unless furnished and verified, and no specific source or deficiency was disclosed. 

XXXX. * * Failure to Provide a Meaningful Adverse Action Explanation * * The Fair Credit Reporting Act requires that adverse action disclosures be clear, specific, and meaningful. A generalized assertion of insufficient income, without identifying inaccuracies, omissions, or discrepancies tied to my Natural Person consumer file, fails to meet this standard. 

XXXX. * * Improper Reliance on Consumer Reporting Information * * Capital One relied in whole or in part on consumer reporting information from XXXX and potentially other agencies, yet did not demonstrate that such information was accurate, complete, or properly applied to my individual circumstances as required under * * 15 U.S.C. 1681e ( b ) * *. 

XXXX. * * Interference With Consumer Rights * * By issuing an adverse action without clearly identifying the basis for the decision or the specific information allegedly relied upon, Capital One effectively interfered with my ability to meaningfully exercise my rights to review, dispute, and correct consumer reporting information, in violation of the protections guaranteed under * * 15 U.S.C. 1611 * *. 

* * Requested Relief * * I respectfully request that the Consumer Financial Protection Bureau require Capital One, N.A. to : 1. Conduct a full investigation into the consumer reporting information relied upon in denying my application. 
XXXX. Identify with specificity the income information used, its source, and how it was evaluated. 
XXXX. Confirm whether any inaccurate, incomplete, or unverifiable consumer reporting information was relied upon. 
XXXX. Correct or reconsider the adverse action if it was based on improper or unsupported conclusions. 
XXXX. Provide written confirmation of the investigation results and any corrective actions taken. 

I am asserting my rights under the Fair Credit Reporting Act and the Consumer Credit Protection Act as a Natural Person consumer. A copy of the adverse action notice is attached for reference. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation