Capital One Credit Card Complaint

Capital One Credit card department,

Closing/Cancelling account New Jersey

Hello, My Capital One credit card account has charged off on my credit report. I did a balance transfer in - - from Capital One to another credit card in order to consolidate. On - -, -, I received my FIRST phone call from a collection agency that works with Capital One. Apparently I have a $5100.00 balance on my Capital One card and Capital One has not received a payment in over 6mths. This is the FIRST communication I have received from Capital One in regards to this matter. They stated the balance transfer never went through and the account has now charged off. I scheduled payment with the collection agency immediately to pay the full amount that is in sitting in collections. My payment history with this company has been stellar until - -, when I assumed the balance transfer took place. If I would have been informed 30-60 days after missing a payment I would have ensured to take care of the matter. How is it possible that a company NEVER reaches out to the consumer in cases like this? Desired Resolution : Correction to a credit report Desired Outcome I would like this charge off removed from all - credit bureaus due to the fact I was never properly notified. My payment history with Capital One has always been perfect until this matter. I feel that Capital One has a duty to contact consumers within 30-60 days of a payment being late in order to avoid situations such as this.