Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XX/XX/year> : I paid {$200.00} to Capital One in regard to a secure credit card. XX/XX/year> to XX/XX/year> : During this time frame, I did not receive the card. I reached out twice during this month span. Both times it was to check to see where the card was at considering they said it would take 4-6 business days for the card to come in, and it did not. XX/XX/year> : I decided to go ahead and close the account on this day and asked them to please send me the {$200.00} via bank account and they said they can not do that, they have to send me a check. I went through the whole process with them again about not getting the cards, I did not feel comfortable with getting a check. They said they can send a check and that's the only way I will get the {$200.00} back. I asked for a supervisor and was able to talk to someoene who claimed to be in the supervisor position. I let them know what is going on and they would not budge from sending the check, they said I would also have to wait 2 business cycles before the check was mailed out. At that point, the man said if I am not getting the cards and can not wait for a check, then I need to call the bank and let them now that they would need to open an investigation in regard to the account being opened. I asked if he can close the account and I will reach out to XXXX XXXX. He claimed he had closed the account. I then called XXXX XXXX to let them know what was going on, they began their investigation. XX/XX/year> : I received a letter from XXXX XXXX and it said that during their investigation, there is nothing to be done as the account was not closed. They closed the investigation. XX/XX/year> : I reached out to see if the account was closed or not. They said it was not closed and did not have any notes on closing the account from prior conversations. I asked them again to close the account and if I can have the funds transferred to me via bank versus check since I haven't received the cards... and they said they can not and it will be 2 billing cycles before a check is mailed out. The girl I talked to offered to send another card to see if it will come in, I said fine. I asked if they can something with overnight or tracking ... and they can not do that due to the card being new and it has to come with a welcome packet, they can not send welcome packets any other way than regular mail. It is currently XX/XX/year> and I do not have any of the cards that have been sent ( a total of XXXX since XX/XX/year> ). At this point, I want the {$200.00} that was sent to Capital One to obtain the secure credit card. As a single parent to XXXX kids, having to deal with losing some time at work due to a car overheating, and everything else going on, it's unfair that I have one more thing to stress out about due to Capital One 's incapable ability to mail me a card ... and even more frustrating that they can not send the funds back to me via bank versus a check. I have tried to make numerous attempts to work with Capital One, but they are not able to find a resolution.

Company response to consumer: Closed with explanation