Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5322484
Complaint Overview
Complaint ID: 5322484
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: Michigan
ZIP Code: 48221
Date Received: 2022-03-14T12:00:00-05:00
Date Sent to Company: 2022-03-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/XXXX, my account was incorrectly reported by Capital One as being closed at my request on XX/XX/XXXX. My most current statement indicates that that the account is restricted. I disputed this report of the account closure with Capital One and the 3 credit reporting agencies. XXXX informed me that they verified this information with Capital One. Capital One suggested I contact the credit bureau. In addition I can't obtain a copy of what I agreed to from Capital One. The link with the agreement I entered into with Capital One in XXXX is no longer active. In one response I was told that I entered into the agreement with a third party vendor. I was later told that I entered into the agreement with Capital One and that it was a verbal agreement. If this was in fact a verbal agreement, I was overcharged on the interest rate and am entitled to a refund for overpayment. I need a straight answer from Capital One.
Frequently Asked Questions
What is Complaint #5322484 about?
Complaint #5322484 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 2022-03-14T12:00:00-05:00.
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.