Capital One Credit Card Complaint

Capital One Credit card department,

Billing statement Indiana

I requested paperless billing for a Capital One card account. Not only did the account go paperless, but it became " contact-less '' and " notification-less ''. In fact, the communication just went " dark '' ( no communication ). It only " lit '' back up once I realized I missed a payment by over 30 days. This, of course, created a late payment note on my credit report and trashed my credit score. As a -, I have worked extremely hard to do all I can to support my credit score. This is a huge setback. Additionally, the credit reporting/score system makes no distinction between missed payments ( due to being a deadbeat ) and missed payments caused by a logistical issue. Basically I appear to be a deadbeat to lenders.


the lack of contact by Capital One. I, immediately, reactivated paper statements. I, immediately, verified Capital One had my correct phone & e-mail contact info ( which they did ). I had also requested paperless statements for several other credit card accounts ( including a Menard 's Big Card - serviced by Capital One ). All other accounts continued contacting me via ( automatic ) e-mail message alerts including " payment due '' and " statement available ''. Why was Capital One allowed to risk my credit score by failing to contact me regarding payments due and statements available??? In my opinion, Capital One failed me. We spent - ( if not - ) of US tax dollars to create the CFPB. I hate that spending, however, I hate having my credit score, innocently, attacked even more.