Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5165195
Complaint Overview
Complaint ID: 5165195
Company: Capital One Financial Corporation
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Maryland
ZIP Code: 21216
Date Received: 2022-01-30T12:00:00-05:00
Date Sent to Company: 2022-01-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
It is a new season and the time for people that are in low to moderate debt like myself to fix their reports are now. Within the past year my accounts have been overcharged, froze, added monthly fees for an example reporting that I owe twice in one month and dont ( XXXX XXXX refusing to accept payments ( Capital one ). My history of credit isnt too good. Lets take a look into why Im authorized XXXX credit cards without XXXX benefits/limits. For over 15 years only authorizing {$200.00} credit limits with several companies. I have often thought am I case for a loan shark? Or is it credit agencies stopping me as soon as they lend me the credit also considering is the healthcare provider Im using targeting my personal welfare. Nothing is clear about the lengthy process in history of wanting Excellent credit but only rated poor. Thats not fair. Today I owe {$24.00} to Capital One they will not accept my payment. XXXX has falsely reported XXXX late payments and I dont owe. How can I get assistance with small businesses passing my information from desk to desk. I want good credit and I want it Now. Your so kind for properly handling my case today. *Please note I am U.S. citizen not an Alien. * Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #5165195 about?
Complaint #5165195 was filed against Capital One Financial Corporation regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2022-01-30T12:00:00-05:00.
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.