Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #18049491
Complaint Overview
Complaint ID: 18049491
Company: Capital One Financial Corporation
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Missouri
ZIP Code: 658XX
Date Received: 2025-12-01T12:00:00-05:00
Date Sent to Company: 2025-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I submitted a written dispute to Capital One regarding an inaccuracy reported to the credit bureaus. Capital One reported my account as 30 days past due ; however, this information is incorrect. My payment due date was XX/XX/XXXX, and on XX/XX/XXXX, I established a payment arrangement for the scheduled payment to be automatically withdrawn on XX/XX/XXXX. Capital One accepted this arrangement, yet the account was still reported as delinquent. I have since paid the account in full and believe it is unjust that my credit was negatively impacted despite Capital Ones acceptance of the payment plan. I respectfully request that this delinquency be removed, as the reporting does not accurately reflect the agreed-upon arrangement or my intention to remain in good standing
Frequently Asked Questions
What is Complaint #18049491 about?
Complaint #18049491 was filed against Capital One Financial Corporation regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-12-01T12:00:00-05:00.
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 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.