Consumer complaint received 2025-11-23 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: TN

Complaint narrative:
I am requesting an urgent review and correction regarding my Capital One Quicksilver account ending in XXXX, due to clear misrepresentation by Capital One representatives at the time of account opening, the improper denial of a 15-month 0 % promotional APR that was advertised and verbally confirmed, and interest charges that should not have been applied. 





1. I applied specifically because of the 15-month 0 % APR offer I applied online for the Quicksilver card after receiving an email advertising a XXXX 0 % intro APR promotion, along with cashback rewards. When applying online, there was no indication whatsoever that I would be approved for the card but denied the promotional APR. Naturally, I believed that approval meant the full benefits advertised were included. 



If I had waited for the physical card and mailed documentation, I could have read the fine print, but I followed instructions given directly by Capital One. 





2. A Capital One representative instructed me to use a virtual card to activate the promotion Immediately after approval, I called Capital One for guidance because I needed the 0 % APR promotion for a large purchase at a XXXX dealership. The representative told me : That I did have the 15-month 0 % APR That the promotion would apply to my upcoming purchase That I could generate a virtual card number, provide it to the dealership, and the promo would automatically apply to that transaction And that my minimum monthly payment would need to be {$160.00} to stay on track for the 0 % schedule Out of caution, I even set my auto-payment to {$180.00}, more than required At no point did the representative indicate I was not enrolled in or eligible for the promotional APR.

3. Capital One charged me interest anyway My large {$2400.00} purchase was made according to instructions provided by Capital One. 

Yet I was charged : {$54.00} interest on XX/XX/XXXX Another interest charge on XX/XX/XXXX, even though my statement had not yet closed I only noticed this recently, and I immediately contacted support to have it corrected. 





4. Customer service and a supervisor refused to help and terminated the call When I called for assistance : The representative told me I was never placed on the 0 % promotional plan The supervisor insisted nothing can be done When I asked for compassion and for help understanding what went wrong, she became upset, stated she would be ending the call, and hung up on me This is unacceptable, especially given that I followed Capital Ones instructions exactly. 





5. I would never have used this card for a {$2400.00} essential repair without the 0 % APR The only reason I applied for and used this card was the explicitly advertised 15-month no-interest promotion. 

I relied on the representatives guidance and used the virtual card because I was instructed this was how the promotion would apply. 



Had I known the promotion was not attached, I would never have proceeded with the purchase on this card. 





6. Requested Resolution I am requesting that Capital One : Restore the 15-month 0 % intro APR that I was promised and instructed to use Remove all interest charges, including the XX/XX/XXXX and XX/XX/XXXX charges Confirm the promotional terms in writing I want to emphasize that I am fully prepared to pay the entire balance immediately once the account is corrected and the improper interest is removed. I relied on the promotional information I received when opening the card. While my priority is to have the incorrect interest charges removed, I note that the original promotional terms mentioned a 15-month 0 % intro APR. I am happy to pay off the balance in full once the interest is corrected, however, the 15 months 0 % interest was why I signed up and not even the capital one rep on the phone told me I didnt qualify for the 15 months promotion. 




7. Summary This issue occurred due to : Misrepresentation by Capital One agents Incorrect instructions given by Capital One A failure to apply the promotion that was advertised and confirmed Improper interest charges And an unprofessional interaction in which a supervisor disconnected the call I am requesting that this matter be escalated to the Executive Resolutions Team for correction. 

Thank you for your time and prompt attention. 

Capital One Quicksilver Account Ending : XXXX

Company response to consumer: Closed with explanation