Credit card or prepaid card -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5145062
Complaint Overview
Complaint ID: 5145062
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: Wisconsin
ZIP Code: 53090
Date Received: 2022-01-24T12:00:00-05:00
Date Sent to Company: 2022-01-24T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted 5 payments that are reported as late. I have disputed the late payments already two times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/XXXXand XX/XX/2020 ). I was affected by COVID and tried to get a deferment and couldn't get through and therefore accounts ended up being late. I am hoping you can make the necessary adjustment under the CARES Act. I no longer have possession of the card and can not provide the full account number. I am happy to verify another way if necessary. Last 4 of account number - XXXX Last 4 of SSN - XXXX
Frequently Asked Questions
What is Complaint #5145062 about?
Complaint #5145062 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 2022-01-24T12:00:00-05:00.
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.