Capital One Credit Card Complaint

Capital One Credit card department,

New York

In - 2015 I applied for a Capital One card online and a hard inquiry was done on - -. I was told that I would receive a letter in the mail in a few days with their decision. From the end of - through the end of - I never heard back from Capital One in regards to my application. I called them on - - 2015 and explained to the specialist over the phone that I had never received any letters from them. It turns out that they were sending the letters to my residential address ( where I currently can not receive mail, instead of my mailing address, a - - that was provided, saying they need proof of income. The specialist told me that my deadline to submit proof of income was - - 2015 and provided with me with a fax number to send my documents to. I emailed my employer about the proof of income and I was given the income letter on - -. That same day I went to a - copy center to fax the information. I followed up with Capital One that night and over the next few days and


n't receive my approval email until - - 2015 and I did n't get my card for a while after that. The issue is that after I faxed my proof of income, Capital One did a hard inquiry on - - 2015 for the same application from back in -. I NEVER sent another application in -. Since - 2015 I been fighting Capital One, contacting them numerous times by mail and phone, explaining what happened and how my credit was affected twice for the same card. I requested for the hard inquiry on - - 2015 to be removed as the hard inquiry on - - 2015 was truly used for my credit card approval. Capital One has refused to do a proper investigation and provide details and results of that investigation. They continue to refuse and ignore my request. This is the only way I can get in touch : I write a letter providing proof, they sent you an automatic letter about opting out of inquiries that has nothing to do with your case and does n't even state they 've received your dispute, and that 's it. I have to call THEM, request a supervisor, ask a supervisor to escalate the issue, and if they actually did it, then you wait for that department to call. They call you ONCE, if you 're are n't there, they leave a general voicemail and claim they have reached out several times.They simply leave a " note '' on my account saying the inquiries are valid and that 's it! In my last two detailed dispute letters I sent to Capital One, I sent them extensive proof supporting my position. Since we used my domestic partner 's - card to pay for the fax, I contacted my domestic partner 's bank and our cell phone carrier to help me with this. I have two call logs showing several calls between Capital One and myself. You can see on the call details log for my number showing I spoke with Capital One on - - 2015 at -. That was the same night I emailed my manager at - asking her to give me the proof of income letter. You can then see several follow up calls to Capital One made from my phone and also using my partner 's phone. Lastly, on the bank statement you can see the - purchase of when we went to fax the income letter to Capital One on - - 2015. We paid $4.00 to have those documents faxed. They refuse to remove the inquiry and claim they have done a proper investigation without providing me any details or results. I spoke with a supervisor today who refused to escalate the issue. I need access to my recorded phone conversation on - - 2015 at -. Then you can hear the specialist telling me the deadline date.