Credit card or prepaid card -- Other features, terms, or problems -- Complaint #4599928
Complaint Overview
Complaint ID: 4599928
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: Illinois
ZIP Code: 600XX
Date Received: 2021-08-03T12:00:00-05:00
Date Sent to Company: 2021-08-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Account # XXXX - Unfortunately during the period that I have held this paid-for and settled account, I was unable to keep up the payments and fell behind. I was going through a rough patch in life. I am a XXXX mother of XXXX children who was laid off twice and lost everything in a home fire in XXXX of XXXX. After settling this account with Capital One in XX/XX/XXXX, I reached out to the Executive Office for Capital One in XX/XX/XXXX and there hasn't been a response. I fully respect my obligations with Capital One & I have worked diligently to amend my relationship with you by regaining your trust. This spring, I was laid off a third time from the pandemic as well. A brief look at my current accounts will reveal that I have successfully made on-time payments with my XXXX, Walmart, & Platinum Accounts since my unfortunate circumstances and I made timely payments while I was laid off during the pandemic as well. Ive recently began searching for a new home for my family & it has come to my attention that because of my previous late payments with Capital One that this could hurt my ability to qualify for home loans. As you know, FICO scores are extremely important in the selection of prospective job, home, and car purchasing applicants. In light of my renewed focus & demonstrated commitment to rebuilding my trust with your company, Im requesting that you please give me a second chance at a positive credit rating by deleting the tradeline. This account is almost eight years old. If you are unable to delete this tradeline, please remove the late payments off the account. This second chance will allow me to pursue the home of my dreams for my family. In the meantime, I have attached the Police Report & XXXX XXXX Letter from the home fire in XXXX of XXXX. Thank you for your time & I look forward to receiving a favorable decision from your company soon.
Frequently Asked Questions
What is Complaint #4599928 about?
Complaint #4599928 was filed against Capital One Financial Corporation regarding Credit card or prepaid card specifically about Other features, terms, or problems. It was received by the CFPB on 2021-08-03T12:00:00-05:00.
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 or prepaid 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.