Credit card -- Incorrect information on your report -- Complaint #15681239
Complaint Overview
Complaint ID: 15681239
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: North Carolina
ZIP Code: 28348
Date Received: 2025-09-02T12:00:00-05:00
Date Sent to Company: 2025-09-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
This account was opened in XX/XX/XXXX and closed by Capital One on XX/XX/XXXX. The reported balance is {$3700.00}, which reflects a charge-off status. The last payment made on the account was on XX/XX/XXXX. The account is currently marked as a collection/charge-off and reported as derogatory on both XXXX XXXX XXXX credit reports. I was not notified adequately prior to the charge-off, and I did not receive clear documentation from Capital One regarding the transition of this account to a charged-off status. Additionally, the balance reported exceeds the original credit limit of {$3300.00}, and I would like to request clarification or validation regarding how this amount was calculated. At this time, I am seeking to either verify the accuracy of this information or work toward a resolution. If the account has been sold or transferred to a third-party collection agency, If the account can not be verified, I request the account to be removed from my credit report.
Frequently Asked Questions
What is Complaint #15681239 about?
Complaint #15681239 was filed against Capital One Financial Corporation regarding Credit card specifically about Incorrect information on your report. It was received by the CFPB on 2025-09-02T12:00:00-05:00.
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.