Consumer complaint received 2025-06-19 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: WV

Complaint narrative:
I was approved for a XXXX credit limit by Capital one a few weeks ago. It is my first ever credit card. And I do not have any other significant debt to my name. At first I was able to use my virtual card before my physical card arrived. I received my physical card some time last week, activated it .. and had not yet even attempted to use it anywhere until 2 nights ago.. When I tried to use my physical card for the first time sense activating it my transaction would not go thru and I received an email telling me they placed restrictions on my account " due to suspicious activity and to contact them to remove this restriction. When I did so, I got an automated message telling me nobody was available to help me and I needed to call back after XXXX yesterday morning. When I finally got to speak to soneone about it I was informed that they wanted my bank statement from the last three months ( in order to verify my Income?? ) At that point I didn't ask ask many questions and quickly obliged. And I provided them with the last 3 months worth of multiple bank accounts and also one of my employers monthly and annual XXXX form .. just to be thorough .. so that Capital one would be quickly be able to see my average income, and remove the restriction as quickly as possible. I called support back before XXXX to let them know I provided them with the information they requested and needed the restriction removed ASAP .. due to me having a very kmportant job interview yesterday afternoon ( a job that would have doubled my annual salary currently ). Just to then me told that even tho they are able to view my documents right then. That they were unable to remove the restriction restriction verify my income themselves and i have to wait for a different department to do so .. when I explained that it was imperative that I'm able to use my available credit before XXXX that day and stressed the urgency of removing this ( random, unnecessary, inconvenient, irrational ) restriction. I was told that it could take anywhere from ONE to ten buisness days for this " other department to review my bank statements and remove this restriction. After that I had called back twice more yesterday and because of this I was unable to make it my job interview. Mortified and devastation I called them to inform them as would not be able to make it yesterday and by the grace of XXXX they agreed to let me interview THIS MORNING. If it could make it then .. so this morning I get ready for my interview call first thing in the morning to request a supervisor. Sure that sense it had been 24 hours. And the tine line I was given over and over again was ONE to 10 days.. I was confident that Capital one ( alrdy being very aware of the importance and urgency to resolve my account issue ) would certainly be able to very quickly review my documents for me. So that I would be able to make it to my interview this morning. And to my disbelief this supervisor was looking over my documents. Put me on hold for ten minutes. Just to then pick up the phone and tell me .. he sees that I provided all the correct information plus some that they needed. But I'd have to have to wait 1-10 buisness days for this " special department- that conveniently doesn't have a phone number or anyone for me to contact directly to review them .. and they would put a note on my account notifying them of my urgent situation " .. when I told the man that I submitted those documents 24 hours ago. And the last time I checked 24 hours fell within the estimated time zone of 1 to ten days!! And THEY WERE ABOUT TO SINGLE HANDEDLY XXXX ME OUT OF A HUGE INTERVIEW .. THAT WOULD HAVE ABSOLUTELY CHANGED MY LIFE .. AND DOUBLED MY ANNUAL INCOME. It's ironic that they claim they are checking my bank statements claiming they are doing so to make sure that I'm able to afford making my monthly payments on the account. As if its for my benefit .. and because they are doing this they are gaurenteeing I won't get the oob that would overnight double my annual salary!!! How does it make sense if capital one is concerned about me making my payments on time in any way .. that removing the restriction and allowing me to pursue this job opportunity would be a top priority to them! But ywt here we are still almost XXXX and they have DONE NOTHING BUT STEAL AN AMAZING LIFE CHANGING JOB OPPROTUNITY FOR ME!!! I'm devasted and beyond XXXX off that theyvhad the audacity to first of all suddenly restixt my account usage and claim its mercenary to verify my Income NOW. When I have alrdy used some of my credit line using my virtual card!! And they have alrdy approved me for the XXXX credit line. If it was such a necessary step why the XXXX was I approved for the credit card in the first place before they verified this information. And why in the XXXX was I able to use my virtual card last week but the first time I attempt to use my actual physical card. And NEED TO ACCESS MY AVAILABLE CREDIT FOR SONETHING SO IMPORTANT. And nobody gave enough of XXXX to get this rediculous restriction off of my account!!! And again THIS IS MY ONLY CREDIT CARD, and it's only a {$300.00} credit line .. they alrdy checked my credit score and approved me.. and it doesn't make any sense why capital one has the nerve to restrict my account suddenly and without cause u XXXX the premise of " it being some kind of safety probation for me '' {$300.00} barely covers one trip to the XXXX XXXX grocery store!! And it's common knowledge that banks make their money on interest and penalties for late payments. So it makes me even more disgusted that Capital One pulled such XXXX. And stole a life changing job opportunity from me!! All because NOBODY out of the 6 different custoner service ppl and two supervisor who could and did review my documents while on the phone woth them could remove this completely unnecessary and illogical restriction on my account!! The obly reason credit is such a thing is for banks and other lenders like them to make XXXX XXXX money on the interest on my credit card payments! And it's disgusting they had the nerve for a lack of better words " to XXXX on me and tell me it's raining '' I'm outraged!! And if it were up to me I'd fire every lazy uncaring ignorant employee who were aware of the importance of removing the restriction form my account .. and personally gaurenteeing I would lose such an amazing opportunity to better my life significantly!! And I truly hope this so called " other mystery department '' ; that they make impossible to contact personally or able to ensure expedited the review of y bank statements .. and takes up to ten freaking days to review three XXXX XXXX XXXX XXXX bank statements .. has the day and the life they deserve!! Capital one should be embarrassed at XXXX  horribly they mishandled my account, they should be remorseful for the opportunity they stole from me!! And they should stop writing paychecks for ppl for take ten XXXX days to look at three pieces of XXXX XXXX paper!! That's ignorant and the most rediculous XXXX  I've ever heard! If you're getting paid to work .. you should actually work!! How the XXXX is someone hitting paid to look at one document a day for three days .. then take a while freaking week off doing a nice of nothing and Curtainly not being of any service to their customers like the title customer service would have you belive they are the for!! Someone from Capital one better remove this restriction. And I feel I should be entitled to some sort of compensation for the itheir gnorance. Considering they personal made sure. I lost my opportunity TO DOUBLE MY ANNUAL INCOME!! SHAME ON CAPITAL ONE .. and depending on. How they respond to my complaint. Has everything to do with rather I choose to continue my buisness with them!!

Company response to consumer: Closed with non-monetary relief