Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4731672
Complaint Overview
Complaint ID: 4731672
Company: Capital One Financial Corporation
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
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: Maryland
ZIP Code: 20782
Date Received: 2021-09-18T12:00:00-05:00
Date Sent to Company: 2021-09-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
illegal Re-Aging With respect to XXXX Visa Account # XXXX. This an account which came with an Account Protection Plus that helped me pay off the balance during the period of my involuntary unemployment/Disability and the account was closed as of XX/XX/XXXX and the balance was paid off by Account Protection Plus. I am also submitting a XX/XX/XXXX Benefit Activation letter they sent to me for a sister account I had with them, I received similar letter for this particular account as well I respectfully refer you to the XXXX credit report of XX/XX/XXXX, Report # XXXX ( Attached here as an Exhibit 1 ) XXXX verified and noted that with respect to XXXX XXXX Account # XXXXthe Date of Status XX/XX/XXXX. XXXX further noted in the aforementioned report : Status : Closed/Never late. This account is scheduled to continue on record until XX/XX/XXXX. Comment Account closed at the consumer request In violation of The Fair Credit Reporting Act ( FCRA ) this same XXXX Visa Account # XXXX with an XXXX Date of Status XX/XX/XXXX. XXXX further noted in the aforementioned report : Status : Closed/Never late. This account is scheduled to continue on record until XX/XX/XXXX. Comment Account closed at the consumer request With respect to this XXXX Visa Account # XXXX with an XXXX Date of Status XX/XX/XXXX. Capital One has unlawfully re-aged the account and now claimed that same XXXX Visa Account # XXXX belongs to Capitol One falsely fraudulently claimed that it was Charged off by Capital One effective XX/XX/XXXX, this is not only erroneous but illegal as you know. But has recently claimed it was charged off on XX/XX/XXXX with phony credit/payment that I had not made since XXXX when I left XXXX as the account was closed in XX/XX/XXXX as verified by XXXX. CAPITAL ONE BANK USA N {$1100.00} Closed 69 potentially negative months Account Info Account numberXXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit : {$2500.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$1100.00}
Frequently Asked Questions
What is Complaint #4731672 about?
Complaint #4731672 was filed against Capital One Financial Corporation regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2021-09-18T12:00:00-05:00.
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.