Wednesday, February 27, 2019

Swagbucks isn't crediting me for the Capital One card offer

Here is the original offer. "Earn 5000 SB when you are approved for your new card!" And the disclaimer, stating it will appear as pending and so forth, but nothing saying it must be automatic approval.

So, thing didn't approve, I unfortunately didn't screenshot the page saying they needed more information and I would hear from them or whatever, because I assumed I hadn't gotten approved.

A couple weeks later, this lovely letter showed up, stating I'd been approved. (We'll discuss at some future time Why Capital One Thinks Giving My Broke Ass a $10,000 Credit Limit Is Any Sort Of Good Idea.)

I opened a help ticket, with the photo of the letter. I received this response:


I sent them my reply, along with these two images:

Apparently the e-mail address documentation is sufficient (despite that screen not showing anything connecting it to the credit card in question), but they still need a date of approval. Which Capital One hasn't ever sent me. Also, this person keeps calling photos "screenshots" and asking for screenshots of paper mail. While I certainly have sympathy for people with shitty jobs, I don't think I'm dealing with someone who has a lot of critical thinking skills.

My reply:

Their reply, this time saying they won't approve it:

And me invoking contract language (which I'm actually not at all sure is applicable, but it can't hurt to try, right?):

And here's a chat with Capital One, verifying the date the card was approved, since Swagbucks claimed that was the holdup.

The Capital One person didn't have any way to verify I came there via Swagbucks and wasn't sure how to contact the advertising or referral program or whatever that would be, though she was very nice and helpful and tried to look up as many things as she could think of. Thanks Sandra at Capital One, you're awesome.

EDIT MARCH 1: I e-mailed a hotline Capital One has for complaining about unethical third party behavior. Maybe that will work?

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