Credit card -- Incorrect information on your report -- Complaint #15594044
Complaint Overview
Complaint ID: 15594044
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 information incorrect
State: Ohio
ZIP Code: 44143
Date Received: 2025-08-28T12:00:00-05:00
Date Sent to Company: 2025-08-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing the XXXX late payments reported on my account. Fraudulent activity occurred on my bank account, which caused my attempted payments to return unpaid. Although I made timely attempts to pay, the payments were reversed due to the fraud investigation and account disruptionnot because of negligence on my part. As a result, my account was incorrectly marked as 30 days past due. I corrected the issue immediately once the fraud was resolved. These late payment notations are inaccurate and do not reflect my actual payment behavior. I am requesting that all XXXX late marks resulting from this situation be removed from my credit report, and that my credit file be updated to reflect accurate payment history.
Frequently Asked Questions
What is Complaint #15594044 about?
Complaint #15594044 was filed against Capital One Financial Corporation regarding Credit card specifically about Incorrect information on your report. It was received by the CFPB on 2025-08-28T12:00:00-05:00.
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.