Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4812647
Complaint Overview
Complaint ID: 4812647
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: Texas
ZIP Code: 77386
Date Received: 2021-10-15T12:00:00-05:00
Date Sent to Company: 2021-10-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I bought a car and used Capital One to finance. I set up auto pay after my initial payment online and thought i was done with it. Turns out, it never went through, they never received it, or whatever excuse they claim, it was 100 % done on my end. They wait til i am two months late to even ATTEMPT to make contact and let me know i was late, meanwhile they are hurting my credit. I called, they explained, i calmly set up auto pay on the phone, took care of the back payments and asked if there was a resolution. They said i could dispute it with their office, which we know is automated and they will not help a single father like me when it was a mistake, i believe on their part, but apparently on mine. That one late pay docked my credit score 100 points!! I went from about to get a loan to looking for a place to live, all because they wanted to rack up late fees, not contact me, and then deny me when i asked for a resolution? Seems unreasonable and unethical to me.
Frequently Asked Questions
What is Complaint #4812647 about?
Complaint #4812647 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 2021-10-15T12:00:00-05:00.
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.