Credit card -- Problem with a company's investigation into an existing problem -- Complaint #17803029
Complaint Overview
Complaint ID: 17803029
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Problem with personal statement of dispute
State: Pennsylvania
ZIP Code: 19120
Date Received: 2025-11-21T12:00:00-05:00
Date Sent to Company: 2025-11-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint regarding inaccurate credit reporting by Capital One. On XX/XX/year>, I called Capital One to request a hardship arrangement because I was out of work caring for my father, who was undergoing XXXX XXXX. During that call, I told the representative that I believed a payment had been returned and that I wanted to prevent the account from becoming 30 days past due on my credit report. The representative informed me that although there were no long-term hardship programs available, I could make three payments of {$130.00} each before XX/XX/year>, and that doing so would prevent the account from being considered past due and stop further collections actions. I relied on the representatives statement and proceeded based on the arrangement they provided. The representative even stated she would give a credit back for late or return fee. Despite following the instructions I was given, Capital One later reported my account as 30 days past due. When I saw the late payment reporting on my credit report, I contacted Capital One immediately. They opened an investigation but ultimately refused to correct the reporting. I also requested to listen to the XX/XX/XXXX call because I wanted to confirm exactly what was said, but Capital One denied my request, even though that call directly affects the accuracy of the credit reporting. This situation has caused unfair harm to my credit because I followed what the representative told me to do to avoid delinquency. I am asking the CFPB to assist in having Capital One correct the inaccurate credit reporting.
Frequently Asked Questions
What is Complaint #17803029 about?
Complaint #17803029 was filed against Capital One Financial Corporation regarding Credit card specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-11-21T12:00:00-05:00.
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.