Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Misrepresentation and Lack of Disclosure in Credit Card Application Subject : Credit Card Misrepresentation Reward Offer Removed Without Disclosure To Whom It XXXX Concern, I am filing this complaint because I believe I was misled and subjected to a bait-and-switch credit card application process by Capital One. 

I applied for a specific credit card that clearly advertised a reward ( multiple rewards ) or promotional offer as part of its approval terms. I submitted the application in good faith and consented to a hard credit inquiry on that basis. 

After approval, however, I was issued an entirely different card one that did not include the promised rewards and had no mention of the original offer I applied under. 

At no point did I receive any supplemental email, letter, or disclosure informing me that : I had been approved for a different card product than the one I selected, or that the original reward offer was being removed or substituted. 

In fact, I only discovered this change after multiple phone calls and transfers between departments. Initially, representatives told me that the promotional reward would appear within XXXX week. When it did not, I called again only to be told, after repeated transfers, that I had been approved for a different card entirely, with no rewards attached. 

This lack of transparency and contradictory communication constitutes a misrepresentation of the product and a failure to provide required disclosures under the Truth in Lending Act and the Federal Trade Commission Act 5 ( 15 U.S.C. 45 ), which prohibit unfair or deceptive business practices. 

The way this process unfolded appears designed to bait me with a reward offer, obtain my credit approval, and then switch me into a non-reward card all without my consent or clear notice. This is not only misleading, but it undermines fair consumer lending practices. 

I am requesting that the following actions be taken : XXXX. A written explanation of why I was issued a different card than the one I applied for, and why no supplemental notice was sent. 
XXXX. XXXX of my account to the original card and reward offer I applied for, or equivalent compensation. 
XXXX. Removal of any unnecessary credit inquiries from my report resulting from this misrepresented application. 
XXXX. An investigation into whether this constitutes deceptive or unfair treatment under applicable federal and state consumer-protection laws. 

I have preserved documentation, including screenshots of the original offer, the application confirmation, and notes from my calls with representatives. 

Thank you for reviewing this matter. I request a written response outlining next steps and a clear explanation for why I was issued a different product than the one I applied for. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXXXXXX XXXX XXXX Re : Account ending in XXXX Creditor : Capital One N.A.

Company response to consumer: Closed with explanation