Capital One Bank Account Or Service Complaint

Capital One Bank account or service department,

Other bank product/service Account opening, closing, or management New York

I have authorized electronic/paperless delivery of all my monthly statements & bills for multiple accounts & have not incurred any problems with delivery other than Cap1/Cosco The membership renewal for Costco was sent to my spam folder in -/-/2015 which I do not monitor because I have not used the card to incur a balance since -/-/2015 due to prior issues with " their '' statement delivery. In -/-/2015 I was clearing my spam folder & noticed a Costco account alert e-mail. This was a renewal of which resulted in late charges & a credit report of a balance unpaid after 30 days, which in turn resulted in a - point drop on my credit rating. Although the membership renewal was not paid since -/-/2015 I was still allowed use of the membership card for access & multiple purchases. My long standing credit file & payment history was recognized when I spoke with an account representative who said she would transfer me to a capitol one account representative who could further assist me in resolving my issue. The Cap/1 representative responded that it is their legal responsibility to report any balances due over 30 days to the credit reporting agencies


first became aware of the renewal e-mail I did proceed to pay in full with late charges & all $120.00 ( -/-/15 ). I have no idea were a balance due of $1.00 relates to nor did the representative ( today -/-/15 ). Nonetheless she was willing to wave the $1.00, as well as offer a credit for $50.00, but could not offer any resolve to the 30 day delinquency as reported. I can provide copies & dates of all as explained per request. In closing, after all these years I have managed to adapt to the inevitable changes that we experience & accept everyday, but I just do n't get it. With that being said I hereby request " your '' review & assistanceSincerely,