Capital One Credit Card Complaint

Billing disputes

Capital One Credit card department,

Billing disputes New Jersey

I have a capital one credit card and I was late with one payment. I called and explained my situation to a customer service representative and asked for a goodwill adjustment since I was only late the one time. She informed me that she would dispute the late payment on her end and suggested that I dispute it with the - credit bureaus myself. After disputing the late payment I called capital one back and was told that it was approved and that the late fees would be refunded. The credit bureaus removed the late payment from my credit reports. I then received a letter stating that they report to the credit bureaus accurate information and that they can not change their reporting on a courtesy basis. They also said they they have placed a disagreement code with a resolution of dispute on my credit file to the major credit reporting agencies. I called and spoke with a supervisor and he told me that the customer service rep should n't have put in a dispute on my behalf and that is why they sent the letter. This will affect my credit and I requested that capital one remove the code and follow through with what they originally said to me. The supervisor told me that he will not remove the code and I feel that it is unfair that this company can put in a dispute on my behalf only to turn around and put a code on my credit report. I am requesting that this code be removed from my credit reports due to them disputing it on my behalf.

Capital One customer in New Jersey
Nov 06, 2016

* Source: CFPB Complaint Database

Capital One response to complaint:
Closed with explanation

Created with Highcharts 4.2.3Capital OneComplaint HistoryComplaints12/20112/20124/20126/20128/201210/201212/20122/20134/20136/20138/201310/201312/20132/20144/20146/20148/201410/201412/20142/20154/20156/20158/201510/201512/20152/20164/20166/20168/201611/20161/2017020406080Source: Consumer Financial Protection Bureau
Created with Highcharts 4.2.3Capital OneBilling disputes0.9%49.5%31.8%5.2%3.8%8.1%0.6%0.1%ClosedClosed with explanationClosed with monetary reliefClosed with non-monetary reliefClosed with reliefClosed without reliefIn progressUntimely responseSource: Consumer Financial Protection Bureau
Created with Highcharts 4.2.3National AverageBilling disputes0.8%51.5%32.3%6.4%3.9%4.6%0.3%0.1%ClosedClosed with explanationClosed with monetary reliefClosed with non-monetary reliefClosed with reliefClosed without reliefIn progressUntimely responseSource: 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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