Capital One Credit Card Complaint

Capital One Credit card department,

Credit determination California

In -, 2015, I applied for a credit card at Lord & Taylor in New York. I was denied credit. This was highly embarrassing to me, since I have always had an outstanding credit rating. The formal rejection letter from Capital One said I could obtain my - credit report, which I then ordered. That credit report did not show any debt ( our mortgage is paid off and I am retired ) and indicated that all credit cards are being paid monthly per terms. I wrote Capital One twice and copied their President, - - -, after no response to my first letter. His office contacted me via phone but they were unable to provide any evidence of debt I have or even explain why my credit application was denied. Thus I am asking for CFPB to assist me. I obviously do not want a credit card from Capital One ( I used an - - card for the Lord & Taylor purchase ), but I do not want a credit denial lodged on my credit record, particularly since I am retired. ( I do have assets but not income from a job. ) I may want to get other credit cards in the future and this inappropriate denial of credit may prevent that. I asked Capital One to lift the credit denial against me since there was no justification but they have not done so nor have they provided any rationale for the credit denial. I have been highly dissatisfied with this experience and Capital One ( which continues to send me unsolicited offers for credit cards despite my having a " do not solicit '' request formally filed ). Thank you very much for your help.