Credit card -- Incorrect information on your report -- Complaint #12063169
Complaint Overview
Complaint ID: 12063169
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Georgia
ZIP Code: 30519
Date Received: 2025-02-11T12:00:00-05:00
Date Sent to Company: 2025-02-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint against Capital One Bank regarding their failure to provide me with a 1099-C form for a debt that they charged off. Despite my repeated requests, Capital One Bank has refused to provide me with the necessary tax document for the account they reported as charged off on XX/XX/year>. This failure to issue the required XXXX form is hindering my ability to properly address my tax obligations and comply with IRS regulations concerning canceled debts. Additionally, Capital One Bank continues to inaccurately report my account as late on my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), Section 605. This inaccurate reporting is misleading and damaging to my credit, as it misrepresents the actual status of my account after the charge-off. I have made numerous attempts to resolve this issue directly with Capital One Bank, but they have failed to provide the necessary documentation or correct the errors in their reporting. As such, I am seeking your assistance in resolving this matter.
Frequently Asked Questions
What is Complaint #12063169 about?
Complaint #12063169 was filed against Capital One Financial Corporation regarding Credit card specifically about Incorrect information on your report. It was received by the CFPB on 2025-02-11T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Capital One Financial Corporation?
Yes, visit the Capital One Financial Corporation company profile at readthecomplaint.com/company/capital-one-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.