Consumer complaint received 2025-09-23 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: MI

Complaint narrative:
I am XXXX XXXX XXXX XXXX previously had problems and complaints with Capital one but during XXXX, I XXXX XXXX XXXX XXXX XXXXnd was offered a new start by them to open a Walmart credit card to get my credit back on track after becoming XXXX. I accepted the offer and started a XXXX XXXX XXXX XXXXXXXX include, mostly XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so my comprehension is very bad. However, I do my bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX decided that I would try and do something so I started a XXXX. I soon received many more emails from Capital one. They sent me notices that the card would be replaced with a better XXXX. Soon, an even better XXXX and this would help as well. Soon, I had XXXX credit cards accounts opened that I did not even want! I had only wanted XXXX. For years, I kept all of the payments up to date. When I would try and close XXXX, it said I had to call. I wasn't quite clear on why I was getting ones opened when I thought XXXX was being replaced. I would call and most of the time, get a representative that I could barely understand with a XXXX XXXX. Regardless, I always kept up on my payments and my XXXX XXXX was XXXX. I never missed a payment in several years, even though I had all of these cards I did not want and had hoped to close. The ads continued. The replacements of cards continued. The extention of credit continued. I continued to pay and be current. My husband, who is a XXXX XXXX, told me that he would help. I put him on as an authorizer so he could assist. However, they then gave him a card and it went on his credit report. We both did not want that and had asked XXXX times to remove him as an authorized user. He became XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Therefore, I had to close my XXXX  and care for him completely. I was still receiving offers from emails from Capital one. I had to use the credit I had to use for everyday expenses. I called the company and asked them for help in payments. I told her exactly what I just said above. This was the first time. The woman told me that she could not assist and to call the next day. She warned me not to close accounts or they could not help. She said to mention to them that my husband was a XXXX XXXX. I told her that he wasn't the problem. It was continual offers and my ability to pay. I needed a payment arrangement or help. She the again, told me to call the next day. I hung up very frustrated. The next day, I called again to be transferred to a very insistent gentleman that would not listen. He didn't seem to care that my husband was a XXXX  but told me to get on this program he kept telling me about. I told him no and I needed to maybe close accounts. He continued to tell me I needed this arrangement. I finally told him I'd talk to my husband and call back. In the process of leaving the conversation, the gentleman was still talking about it. This made me very uncomfortable. I called again the next day.I decided to close the accounts and try and pay. I was greeted by a woman that told me that closing the accounts were not an option. I needed to talk to the gentleman again! I told her to then close all accounts, arguing with me about it. I insisted that she made sure my husbands name not be on any of them. Later, it looked like it was on his credit report. Now, I have no options and my credit is ruined. I have no income and I have no way to pay. I am constantly being harassed to pay large amounts of credit cards I never wanted.

Company response to consumer: Closed with non-monetary relief