Consumer complaint received 2018-10-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened a Capital One 360 XXXX XXXX Account online on XX/XX/XXXX in response to a promotion offering {$200.00} to any new account holder who deposited {$10000.00} or more. 

I deposited {$10000.00} on XX/XX/XXXX. 
Capital One deposited the promotional payment of {$200.00} on XX/XX/XXXX. 

Sometime in XXXX I learned of another new Cap One 360 XXXX XXXX Account promotion called " XXXX ''. It is available at https : XXXX I contacted a CapOne representative on their Chat feature and asked to be included in XXXX. The representative said that I would be included. The representative told me to meet the conditions of XXXX and contact Chat again. The representative said that a XXXX representative would manually deposit an additional {$300.00} if I asked during a Chat session after meeting the XXXX requirement. The representative said that she would make a note to that effect in my file. 

To qualify for the additional {$300.00} promotional payment I then made deposits between XX/XX/XXXX and XX/XX/XXXX totalling {$51000.00}. During that period I also made withdrawals so my maximum balance was {$20000.00}. That was on XX/XX/XXXX. 

XX/XX/XXXX Deposited {$19000.00} XX/XX/XXXX Deposited {$20000.00} XX/XX/XXXX Deposited {$12000.00} Total deposited during the offer period was {$51000.00}. These were not transfers from other CapOne acounts On XX/XX/XXXX I met the conditions and contacted CapOne Chat. I spoke to XXXX. He agreed that a note making me eligible for XXXX had been added to my file. He did not agree to credit my account. He said that my account balance had to be {$50000.00} or more to qualify. 

XXXX 's statement is not supported by the wording of the public offer. It makes no mention of requiring an account balance of {$50000.00}. 

I should receive an additional {$300.00} promotional payment because I met the requirement and acted on a commitment from a CapOne agent. 

************************* Here is the wording of XXXX : " Heres the full scoop on how to earn your {$500.00} bonus : Open a 360 XXXX XXXX account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX. ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, you're ineligible for the bonus. This offer can not be combined with any othe

r Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account. When will I actually get my bonus? Capital One will deposit the {$500.00} bonus money into your
account within 60 days after completing the above conditions. If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus. ''

Company response to consumer: Closed with monetary relief