Capital One Credit Reporting Complaint

Capital One Credit reporting department,

Incorrect information on credit report Account status Texas

I am disputing Capitol One 's report regarding the delinquency of my platinum - account. I request investigation because : 1 ) The terms of my credit account and debt with Capitol One are incorrect ; 2 ) Capitol One 's report as to my payment performance and conduct on the account is incorrect ; and 3 ) Capitol One 's report as to my payment relationship with that entity, especially regarding creditworthiness, is incorrect. This is my - and only Capitol One account. This account was opened on - -, 2015. I set up monthly recurring auto-debit payments for the full balance of each statement on - -, 2015, prior to the first statement due date, - -, 2015. All auto-debit payments were to be transacted on the - of each month. On - -, 2015, I received a confirmation email from Capitol One than an auto-debit payment was scheduled for - -, 2015. On - -, 2015, I received another confirmation email from Capitol One than an auto-debit payment was scheduled for -


day that I received the first notice ( on - -, 2015 ), I was then notified that the - -, 2015, transaction had not been auto-debited either. I paid the entire balance on the account immediately over the phone. The failure of Capitol One to successfully auto-debit - statements pursuant to our agreement should not be reported as a delinquency on my part. I relied on their confirmation emails that the payments were to be transacted as scheduled on - - - and - -. Capitol One failed to notify me that they had not completed these auto-debit transactions as agreed and confirmed until - -. Furthermore, this report is incorrect because this account is not delinquent and is paid in full. I request investigation as to Capitol One 's reporting regarding the timeliness of my payments, Capitol One 's failure to auto-debit per our agreement and to notify me of the same until - -, 2015, and Capitol One 's report of my overall payment history and creditworthiness.