Capital One Credit Card Complaint

Capital One Credit card department,

Arbitration New Jersey

I am writing to inform the Consumer Financial Protection Bureau of discrimination on the part of Capital One. Their company can and will remove derogatory information, which is accurate, from consumer credit files. I am aware of several people who have had success submitting goodwill requests to their executive office. They have gotten late payments, even charge offs removed from their credit files. If Capital One denies this occurred, or that it continues to occur, I would be happy to provide documentation showing that it did and does. For some people, present company included, Capital One will respond saying " the information being reported is accurate. therefore, we are unable to remove or modify it. '' I have gotten this cookie cutter response multiple times from different people within their company. It is frustrating because I know for a fact that is n't true. Their company can and does remove negative information, which is accurate, for some of their customers. I personally know of several, so there are likely a lot more. - people can contact their executive office with the same request to remove negative information from their credit files. - will get approved without any challenges, the other


their decisions. This has me concerned because it 's entirely possible, even likely, that Capital One is engaging in discrimination. How can they say they 're not? If - people submit the same goodwill request requesting that Capital One remove negative information, and - is approved while the other is denied citing the law or their own policies, how can they say that is n't discrimination? There is some set of criteria they are using to view - customers differently, outside the scope of their goodwill requests. I would like to know what that is, and the public has a right to know.