Capital One Credit Card Complaint

Capital One Credit card department,

Delinquent account Texas

It appears there is some miscommunication between Capital One and myself. Without doing all the details last year, I had to install an automatic call recorder on my cell phone number -. I received a notification of a 30 day late pay from equifax. This appears to have occurred according to the credit reports ( all of them ) sometime in - of 2015. I called in not aware that my cell was recording the call ( had forgotten ) Although I made a payment timely, it was not credited for whatever reason. The service rep who is employed by Capital One and identified himself as a Capital One Employee states on the recording that there was a system error when I made the payment thus not crediting it to my account nor removing it from my bank account. It is and has been Capital One 's position that there contract with the Credit bureaus does n't allow them to change this supposed late pay that was made timely and was not credited nor deducted according to their own employee as a


we ca n't record calls. Fortunately, I live in - and while substantive law may be in -, the fact is that the recording was by mistake and was done in - and is fully admissible in any court. The number is Capital One 's and the employee is clearly a Capital One employee. All I get is we are not going to change this. I have tried through Social Media and while a woman was very helpful she said she ca n't change it but offered no explanation other than it was late. I have sent numerous letters to - and various addresses and still have gotten no response even though these were disputes by me according to the FCRA and FDCPA. All I want are the reports updated to show never late and remove the - ding on this account for what the 2 or 3 years I have had it. Even if I was late which I deny, I do n't understand why as a gesture of good will, Capital One would n't remove it for a person who had just supported - people after his wife was injured by a maniac surgeon ( - - - - my now ex-wife is - -. ) I paid over - - in medical bills supported a family working - hours per week and dont ' understand the lack of good will nor accountability here. I have been told the contract with the CRA 's requires this. The contract first of all has about - exceptions and allows for updates for a bank or credit card company one time for good will and allows re-do 's when the bank has made an error. I do n't like filing this complaint. I would prefer not to eventually hire a lawyer and file complaints with multiple federal and state agencies. I just want my credit updated in accordance with my recorded conversation with the Capital One employee. Thank You