Capital One couldn't verify my details

born_again

Registered as soon as I was able to.

Just what do you mean by this?

Have you just moved?
Do you live in a flat, is the address format exactly the same? 

Given they are wanting proof of ID, something in the background is not matching up.

I would try who you bank with.

Lightning360

born_again said:

Registered as soon as I was able to.

Just what do you mean by this?

Have you just moved?
Do you live in a flat, is the address format exactly the same? 

Given they are wanting proof of ID, something in the background is not matching up.

I would try who you bank with.

I registered as soon as I was old enough. I gave them proof of ID when I applied and they seemed happy with it. Just wish they gave an indication of the issue as other banks have done in the past. 

I don't bank with anyone who would offer a credit building card as I have little history of credit on my report.

born_again

Your bank has more history on you than anyone else. So it is not a case of needing a credit building card. 
Try them & see what they say.

Lightning360

born_again said:

Your bank has more history on you than anyone else. So it is not a case of needing a credit building card. 
Try them & see what they say.

Will it matter if I have the hard search from Capital One on my credit file and apply for another shortly afterwards?

Nasqueron

2 searches together aren't the end of the world particularly if one was approved, albeit it's stuck

I would check carefully though all 3 main CRAs (Credit Karma and Clear Score), MSE Credit Club too if they've not switched from Experian yet else get your normal (free) report from Experian - or use their free trial and cancel it after. Make sure your address is right, name is spelled correctly, no other details that don't match etc

Lightning360

Nasqueron said:

2 searches together aren't the end of the world particularly if one was approved, albeit it's stuck

I would check carefully though all 3 main CRAs (Credit Karma and Clear Score), MSE Credit Club too if they've not switched from Experian yet else get your normal (free) report from Experian - or use their free trial and cancel it after. Make sure your address is right, name is spelled correctly, no other details that don't match etc

I've checked them all but can't spot anything wrong and no banks previously have had an issue.

I have applied for another card from elsewhere. If I get rejected, not a big deal. I'll just wait 6+ months before trying again. If it appears they also can't verify me, then I'll assume there is an issue somewhere I haven't spotted.