Capital One Credit Card Complaint

Capital One Credit card department,

Billing statement Utah

Although Capital One states that they sent statements to me in - 2016 and - 2016. I never received these statements. I have been issued a 30 and 60 day late payment notification against my credit report which has negatively impacted my credit score ( I was notified by my lender while trying to refinance my home ). The late payments are for a minimum payment ( in - ) and then a minimum payment with a late fee and interest. Essentially a $67.00 past due in - and $120.00 ( - past due plus late payment plus interest ) charge in -. Over the course of 10 years with this card, I have always pay this card in full. The issue with the Capital One program is, if a user has a $0.00 ( - ) balance, a statement is NEVER sent out by Capital One. Essentially, a monthly statement is NOT sent out to me each month. I use this card on rare occasions so a monthly statement is n't something that I expect to see. When I received a statement in - of 2016, like other months and statements, I paid the balance in full. I have


has hurt your credit, we do n't have any type of grace program that allows us to remove any late payment notifications. You can write a letter our Credit Bureau department if you still disagree with us. '' Yesterday, I noticed one of the bureaus removed the negative merit from my record. After talking to the - of the credit bureaus, they advised me to contact Capital One to try understand why the negative merit was removed from one of the bureaus records, but remained on the other -. Again, I was told by Capital One, " We have nothing to do with that. If you have an issue, please write a letter to our Credit Bureau department. '' I have now been trying to resolve this issue for over 3 weeks and have spent more hours than I can keep track of. Capital One 's unwillingness to work with their customers to resolve a simple miscommunication shows me that their policies and procedures are skewed to ensure they protect themselves and hurt their customers. In all my years of owning my own company and working with creditors and lenders, I have never felt so disrespected or bullied.