Capital One Credit Card Complaint

Capital One Credit card department,

Billing disputes Illinois

My Capital One credit card account ending in - went to collection around -/-/-. Account got closed and I started getting call from a collection agency named - ( - ) around - - and - told me that my capital one account was closed and had gone to collection and now - was handling the account. I made the payment to - for total balance and believed it to be all resolved. I also received a letter from - stating that I had made full payment on my capital one account. Fast forward in -/-/-, I did my credit score check and found Capital One balance of $60.00 lingering on my credit report for many months. I disputed the amount but got no result from CRA or Capital One. Now, when I call -, they would not even take my call and instead refer me to Capital One. When I call Capital One, they say - already closed my case. Due to this erroneous reporting of $60.00 balance occurring for many months, my ability to obtain credit fairly was restricted. I had no choice but to call Capital One and pay the $60.00 to prevent further damage to my credit. However, I still believe that by unfairly reporting $60.00 in my CRA reports, I was forced to pay the amount. Furthermore, it damaged my credit reputation. I request CFPB to ask Capital One to look into this matter in detail and correct their mistake, and remove erroneous reporting from my credit report.