Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15190533
Complaint Overview
Complaint ID: 15190533
Company: Capital One Financial Corporation
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Wisconsin
ZIP Code: 53215
Date Received: 2025-08-09T12:00:00-05:00
Date Sent to Company: 2025-08-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
During the pandemic I reached out to Capital One Credit Card to make payment arrangement due to job loss and pandemic effects on my personal life to include getting sick with XXXX. We came to a payment arrangement as I have included a copy in the email. They did not honor the arrangement and closed my account. When I reached out to inquire, why did they close my account and not take the autopay out of my checking account. Which was set during the phone call and was mandatory autopay. They shared that they did not have a record of my call or my payment arrangement and refused to work with me. Here is the proof that I did call and I did have an arrangement and they did not honor it during the Pandemic and closed my account and ruined my credit history. I have reached out multiple times to work this out with no results. Copy of email : You're on your way with a payment plan! Thu, XXXX XXXX, XXXX XXXX XXXX XXXX Re : Your account ending in XXXX XXXX, This confirms your enrollment in a custom payment plan, an important step to getting back on better financial footing. Congratulations! Your payments will be scheduled on a recurring basis, so youre all set. Keep this email handy in case you need to refer to your plan details : Scheduled Payment Amount {$230.00} Payment Frequency Monthly Number of Payments 3 Date of First Scheduled Payment XXXX. XXXX Dont forget, collections calls on this account will stop while youre enrolled in this plan, and once you complete the plan, this account will be up to date. Your plan is subject to the terms and conditions you accepted during enrollment. You can review the Terms & Conditions of your plan below. Please note that if your plan is canceled after your next payment has already been scheduled, the payment amount may be deducted from your bank account. Sign in to your account and go to your XXXX XXXX page to check the status of a payment, or you can call us at XXXX for questions about your payment status or anything else about your account. Were available XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX, XXXX XXXXXXXX XXXX XXXX Thanks for enrolling and for being our customer.
Frequently Asked Questions
What is Complaint #15190533 about?
Complaint #15190533 was filed against Capital One Financial Corporation regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-08-09T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 reporting or other personal consumer reports) 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.