Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4407806
Complaint Overview
Complaint ID: 4407806
Company: Capital One Financial Corporation
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: North Carolina
ZIP Code: 28216
Date Received: 2021-05-26T12:00:00-05:00
Date Sent to Company: 2021-05-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Id previously written regarding this account and have spoken with several of your representatives in account resolution and customer services and was advised that there is nothing Capital One can do. I have spoken with several of your representatives in account resolution and customer services and was advised that there is nothing Capital One can do. I've worked with XXXX XXXX, XXXX XXXX and XXXX XXXX, each very kind, but had no authority to correct these errors. Summary of Events : XX/XX/XXXX, this account was charged off. XX/XX/XXXX, I paid a charge-off account through XXXX ( XXXX ) for account XXXX to bring the chare-off balance to {$0.00} o In XX/XX/XXXX, my 3-bureau credit report shows that the account status for all 3 reports was Paid after chargeoff, even though I paid in XXXX, it wasnt reported as paid until the XXXX report. I wasnt too concerned about that even though it is inaccurate Later in XX/XX/XXXX, I was alerted by XXXX that my credit score had decreased again, Capital One had reported the account as Open, Past Due 120+ days past due. o I called Capital One who auto-routed by account number, who directed me to XXXX who then directed me back to Capital One o I had to file a dispute with each credit bureau : {$14.00} postage In XXXX, the account was corrected back to Chargeoff, Paid for less than full amount ( XXXX ) In XX/XX/XXXX, Capital One reported to XXXX and XXXX again, that the account was Open, Past Due 120+ days past due. Again, I had to dispute to get the status corrected. This time, I asked the account be DELETED from my credit report. In XX/XX/XXXX, XXXX errors were corrected In XX/XX/XXXX, Capital One reported to XXXX the account was opened through XX/XX/XXXX and then charged off in XX/XX/XXXX XXXX notice the green dots in the credit report attachment XXXX ) I was in the home purchase process and was wondering why, with my other high scores, XXXX was continuing to be low. I was denied by XXXX XXXX XXXX XXXX for a .25 % Interest Rate reduction loan with {$17000.00} down payment assistance due to my XXXX credit report XXXX my employer, due to recent payment history ), XXXX XXXX XXXX XXXX based on XXXX XXXX due to recent payment history ), and XXXX XXXX could not match me after pulling my XXXX report XXXX due to recent derogatory history ). After finally being pre-approved to purchase with a higher intesest rate, my current lender I am working with, XXXX XXXX, pointed out all of the issues with the way XXXX has inaccurately reported the information, which makes it appear that I have recently missed a payment and have a charge off 9 months ago. I have been denied access to other lending due to the errors of Capital One and their inability to accurately report the information to all 3 bureaus. Again, due to their false and inaccurate reporting, I suffered financially as they have falsely reported information in a manner that made it appear I had 1 XXXX a payment later than 30 days in the past 12 months, 2 ) a payment late by greater than 90 days in the last 12 months, 3 ) a serious derogatory event on an account in the past 12 months, 4 ) failed to accurately report the information to the credit bureaus multiple times, causing me to have to pay to dispute via postage, and 5 ) denied the existence of an issue and marked each prior dispute as " verified '' to the bureaus without a proper investigation that would have shown the same information in the documents attached to this complaint as proof. Each time I have pointed this out to Capital One and the credit bureau XXXX it has been reported as verified by data furnisher. Please just DELETE this from my credit report. I dont want to dispute it to correct the dates any longer as each time it triggers a series of balance and date changes on my credit report, and I lose 50-75 points even though Im doing things correctly. I am truly at my wits end. As a XXXX XXXX veteran, this is very difficult to deal with. I hope you can review and remove this as Im a good customer and feel this is truly a bad experience and am not certain if its some sort of retribution or punishment.
Frequently Asked Questions
What is Complaint #4407806 about?
Complaint #4407806 was filed against Capital One Financial Corporation regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-05-26T12:00:00-05:00.
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, credit repair services, 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.