Capital One Credit Card Complaint

Capital One Credit card department,

Delinquent account Illinois

Firstly, I would like to point out that I am being penalized unfairly by a financial institution whose actions described herein appear to be at best arbitrary and at worst discriminatory. I have a perfect record of one time payments with the exception of a department store card issued by capital one. I own my home and have excellent credit. I missed a 30-day deadline for one of my credit cards during -/-/-/-/-/-. All other bills were paid timely. I was out of the country and I made sure to pay my bills before I left however, this particular payment was an oversight. I had no idea that I was late with a payment, if I had, I would have immediately paid this bill over the phone. Further, I ensured that I had international phone service abroad for any emergencies that may come up while I was away. I never revived a call or voicemail indicating that my payment was late. Missing this payment had nothing to do with my creditworthiness as far as being able and willing to meet my financial obligations. When I returned to the country and realized that I had missed a payment, I immediately brought


that this not only is a poor business practice, but it also penalizes me unfairly whereby others have been granted this request. I understand this company has a history of appearing to make credit decisions based on certain demographic information. I 'm - and -. That is the only notable difference between me and another individual who was granted this request. Although this is not a credit decision, per se, the denial of good faith action from a financial institution will negatively impact my credit for years to come. I came to my creditor in good faith to advise that this was a one-time error that was exacerbated by me being out of the country and unawares of my late status. For instance, I received no call or voicemail once my payment was past due, at a minimum I expect the bank to exercise certain actions such as a phone call when a payment has been missed. I ask that the CFPB intervene on my behalf and request that the credit card company remove the 30 day late flag from my credit report, and restore my perfect repayment history. Further, I would like to ask the financial institution to provide an explanation around the decision to deny a goodwill gesture or accept certain other requests.