Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing this complaint regarding Capital Ones improper handling of my secured credit card application, which resulted in unauthorized debit of my funds, failure to verify my identity before processing my deposit, and the misdelivery of my credit card. 

Details of the Issue : Application Date : XXXXXXXX XXXX Deposit Debited : Shortly after application approval Issue : i applied for a capital one secured card in the very beginning of XXXX of this year. Capital One took my deposit before verifying my identity and then sent three credit cards to the wrong address. Now, they are requiring additional identity verification after already taking my funds. They will not overnight the card considering I've sent my deposit and identification. They will not refund my deposit as promptly as the debited my account. I informed them im about to go into XXXX XXXX XXXX XXXX XXXX XXXX XXXX I needed the card or my deposit or my lights will be cut off and my kid won't have lights while XXXX XXXX XXXX. Capital one said this was just a matter of timing. Yes it is on their behalf. Now what if my identity was stolen as it was years ago, I would have to start a who new set of disputes all because capital one took a deposit and verified afterwards. They should be fined. 


Concerns & Violations. 

1. Failure to Properly Verify Identity Capital One debited my account before confirming my identity, which is a serious security risk.

2. Misdelivery of My Credit Card They sent multiple cards to the wrong address, increasing the risk of fraud. This is about 4 cards and five phone calls after never receiving it yet reps telling me the address is correct. Capital one sent my card to a XXXX this is not my address. My XXXX XXXX XXXX XXXX which is on my identity. The XXXX address is an address im currently disputing that popped up on my credit as my lease us only on XXXX XXXX XXXX XXXX So for some reason Capital one insist on sending my card to a fraudulent address. They have my correct address as my ex had me on his Capital one cards. They have verified .y state license front and back at least 6 times 3. Delayed Resolution & Poor Communication Despite their mistake, I am now being asked to provide identity documents after the fact, delaying access to my account. 


4. Lack of Accountability for Their Errors They have not provided a clear resolution or timeframe to fix this issue.

Requested Resolution : I am requesting that Capital One : 1. Immediately refund my deposit if they are unable to rectify the situation promptly amd issue the card out next day.

2. Expedite proper verification and reissue my card with a tracking number if I choose to proceed with the account.

3. Ensure corrective actions are taken to prevent similar mishandling for future customers. 



If this issue is not addressed promptly, I will escalate the matter further, including filing complaints with regulatory agencies and exploring legal action. 

I appreciate your immediate attention to this matter. Please let me know the next steps at your earliest convenience.

Company response to consumer: Closed with explanation