Capital One Credit Card Complaint

Other

Capital One Credit card department,

California

I was in a non-profit credit management program. Each month I paid a consolidator $700.00 and they distributed it to my creditors each month. The program has been ongoing since - 2013 until present. One of the creditors was Capital One ( account number ending in - ). During that time period My credit reports show - payments 30 or more days past due for this account while there is no problem with the other credit accounts. The due date for the Capital One account is the - of each month. I obtained electronic records from my credit management company showing that each month funds were always transferred to Capital One electronically within 30 days of the due date. In - cases a double payment was made the following month when a payment was missed, but in these cases the double payment was still within 30 days of the due date the month before and so no payments were 30 or more days past due. I discussed with Capital One representatives 4 times by phone and they refused to fix it. I sent them the electronic records ( attached ), but they still refused to do anything even with the undisputable evidence. I do not think they have anything to gain from this. They are just too lazy to make any effort to fix their mistake. I think this is all electronic and it is not easy to fix and so they just ignore me. This account corresponds to 80 % of my late payments in this period and I have been denied credit due to these incorrect records. My position is that as a reporter of credit information to the bureas the law requires them to correct information when they have clear evidence it is incorrect. By not honoring their obligations as a credit information reporter they are causing financial damage to me. I want them to fix this so that I am not further damaged by their mistakes.

Capital One customer in California
Jul 19, 2016

* Source: CFPB Complaint Database

Capital One response to complaint:
Closed with explanation

Consumer disputes how Capital One handled their complaint

Created with Highcharts 4.2.3Capital OneComplaint HistoryComplaints12/20112/20124/20126/20128/201210/201212/20122/20134/20136/20138/201310/201312/20132/20144/20146/20148/201410/201412/20142/20154/20156/20158/201510/201512/20152/20164/20166/20168/201611/20161/2017010203040Source: Consumer Financial Protection Bureau
Created with Highcharts 4.2.3Capital OneOther0.7%64.5%13.8%12.2%1.7%6.1%0.9%ClosedClosed with explanationClosed with monetary reliefClosed with non-monetary reliefClosed with reliefClosed without reliefIn progressSource: Consumer Financial Protection Bureau
Created with Highcharts 4.2.3National AverageOther0.1%13.5%3.8%1.9%0.8%13.1%66.1%0.7%Untimely responseClosed with non-monetary reliefClosed without reliefClosed with reliefClosedClosed with monetary reliefClosed with explanationIn progressSource: Consumer Financial Protection Bureau

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Contact Capital One

http://www.capitalone.com/
(703) 720-1000
richard.fairbank@capitalone.com
1680 Capital One Dr
McLean VA 22102
Capital One
Capital One

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