Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I requested an explanation as to why Capital one did a hard pull after advising Im pre approved with no credit impact. Then once I was advised I was approved they did a hard pull that cost me over XXXX plus points. Thus did not require a hard pull. After the pre approval they do not tell you your credit limit. After they do their hard pull they give you {$300.00}. Then advise you to ask for an increase. Then they take more points from your credit score. I have lost about XXXX points dealing with Capital One and XXXX. Capital one knows humans cant travel anywhere with {$300.00} in this day and time. I feel this is a deceptive fraudulent scam. Especially after I had to file complaints with CFPB, XXXX Attorney General, XXXX XXXX XXXX and XXXX XXXX to make Capital one post my payment. It is obvious they had no plans of posting my payment, but planned to keep it for themselves. If they do this to 50 % of their customers they will become and remain a wealthy company. I feel this was blatant theft and fraud and should be investigated as such. Seriously thinking about getting the States Attorney involved regarding that issue. I feel Capital one along with XXXX, XXXX, and definitely XXXX are working together to prey on customers and take advantage of them, especially those that are single, not married.. Because of these unfair, deceptive, predatory and co conspiring unethical business practices, I was denied a decent place to live today. A credit score of XXXX and above is needed for XXXX approval. Thus us so unfair to my entire family. I filed a complaint regarding the point list issue months ago with CFPB. Why is my complaint closed and Capitol One never responded or resolved the issue. I feel this is done to certain families to intentionally cause stress and strife.. Capital one and XXXX harassed me and still are to this day to get another Capitol One card. I feel Capital One along with XXXX, XXXX, and XXXX is not only violating my credit rights, but my civil rights. I feel the need to escalate and expose all of this. I have supporting documentation. I am also still waiting for capital one to advise me why they took almost XXXX weeks to post a {$300.00} payment and only did so after I contacted CFPB, XXXX XXXXXXXX Attorney General etc. Another thing since I filed complaints on Capital One I can no longer access their App. It is forcing me to have a phone with higher XXXX updates. No other apps does that. They will provide a later version so you can access it. Capital One provides the option for later version, but when you select it they do not allow usage. XXXX has the very same unfair and deceptive business practices which is why I feel they are co conspiring against CERTAIN consumers, Capital One responded to my previous complaint with CFPB by sending a letter stating they are still working on it. That was XXXX, it is XXXX and to date no response, no resolution, and the discrimination and retaliation continues. 
XXXX and XXXX claim they do not know me and XXXX responded to my question with a question. They never answered it. XXXX claims they do not know who I am as well and still have me blocked from my account. Both XXXX and XXXX supplied XXXX and XXXX XXXX with my credit file, but claim they have no idea. XXXX XXXX never responded. Thus speaks volumes. All of these companies have been exposed for unfair and deceptive practices including capital one. 

It appears that I may have to weigh my legality options because I truly feel that Capitol One and XXXX are in cahoots from my experience and numerous correspondence and emails from both companies. Especially that congratulations email from XXXX after they to XXXX points away from my credit score they had the nerve to congratulate me for being approved for this capital one travel card with a {$300.00} credit line. I feel they are co conspiring to make money off consumers. XXXX and XXXX both have been harassing me with several emails daily trying to get me to buy their product, no. Credit report is free, especially after denials. 

Both XXXX and XXXX both claim they do not recognize me after I filed complaints with CFPB, but they recognized me last week when they sent my credit file to XXXX and XXXX XXXX. Deception

Company response to consumer: Closed with explanation