Credit card or prepaid card -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4645582
Complaint Overview
Complaint ID: 4645582
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Florida
ZIP Code: 33160
Date Received: 2021-08-19T12:00:00-05:00
Date Sent to Company: 2021-08-19T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On or about XXXX in XXXX I called Capital One to work out a solution they were offering to the effect of COVID and I opted into their program with 2 of my Capital One accounts. After doing so, I was under the impression that everything was set because I had repeatedly asked and confirmed verbally. a few months later Ive come to a realization that both accounts have suffered a late payment reporting a total of derogatory payment on each account. Ive disputed and called them in XXXX of XXXX when I noticed that this has been going on and immediately made a payment that brought the account to date. The dispute However did not reverse any of the derogatory late payment marks on my accounts.
Frequently Asked Questions
What is Complaint #4645582 about?
Complaint #4645582 was filed against Capital One Financial Corporation regarding Credit card or prepaid card specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2021-08-19T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.