Complaint Review: Capital One -
- Capital One United States
- Category: credit cards
Capital One Capital One Platinum Credit Cards Approved card for limited amount. Then denied purchases. Demanded more personal info when they already had enough to approve the card. Seemed sketchy.
*Author of original report: Sounds like a Troll.
*Consumer Comment: You are causing your own problems...
I applied for a credit card a couple months ago and selected Platinum because they gave $150 reward if you spend $500 in 3 months. I have excellent credit and got another card that has my Limit at $26,000 when Capitol One only approved me for $1,000. I called them and they said it was only until I established a payment record since I was new to their company. I made a few small purchases on the card and then tried one that was somewhere near $100. Declined, next one declined. I called and they said they needed more info and said they needed photo ID, front and back of drivers license, 2 bills showing my payment record at my current address, pictures of my social security card front and back.
I did not give my ss# and told them by federal law a ss# can not be used for ID. Instead, I gave them pictures of the card I was given to use with a new government ID number. I tried again to use it and it was declined. I do not remember what all information I put on the initial application but it was enough to be approved for the paltry $1000 and now they're declining. Gives rise to suspicion as to why they are now demanding my ss#. I believe the scam is to delay paying the $150 reward long enough that I can't spend their $500 in 3 months by this type of harassment. I told her to cancel the card...I don't need it since I got another card with a $26,000 limit.
She proceeds to start telling me I Must make the minimum payment and I will continue to be billed even with a 0 balance on any more charges. Hmmm. I'm cancelled and they're keeping it open for more fraud charges??? I said I am cutting up this card as we speak and any charges beyond the first denial will not be paid. Then she starts reading from what appears to be pages of conditions and terms. I told her I don't need to hear that, just send me the bill for the few original purchases around $100 and it would be paid in full. She said she must read this so I told her go ahead and read, I'm done and hung up. Actually when I told a friend I couldn't understand why Capital One would deny my purchases, he said Oh, no. He knew different people that had many problems and would NEVER recommend this company to anyone and this proves him absolutely correct.
This report was posted on Ripoff Report on 09/09/2020 08:20 AM and is a permanent record located here: https://www.ripoffreport.com/report/capital/platinum-credit-cards-card-1499656. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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