Credit card or prepaid card -- Incorrect information on your report -- Complaint #4836050
Complaint Overview
Complaint ID: 4836050
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: California
ZIP Code: 90291
Date Received: 2021-10-22T12:00:00-05:00
Date Sent to Company: 2021-10-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I've had a Walmart account since XX/XX/XXXX prior to them selling to Capital One. I always paid them on time. I never had any issues. From one day to the next I noticed that they marked me 30 days late on my account. They changed their payment address and didn't notify me. I had no way of knowing about the change or where to send my payments. I called and disputed the late and they said they would look into it but nothing has been done. It doesn't seem fair to punish me as a consumer for making my payments as I always did. If they had notified me of the change I would have not had any issues making this payment. Now, because of their negligence, I have a 30 day late on my credit which dropped my fico score immensely and I may possibly lose my home if I do not get this corrected for my loan. Please help me get this resolved as soon as possible. Thank you.
Frequently Asked Questions
What is Complaint #4836050 about?
Complaint #4836050 was filed against Capital One Financial Corporation regarding Credit card or prepaid card specifically about Incorrect information on your report. It was received by the CFPB on 2021-10-22T12:00:00-05:00.
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.