Credit card or prepaid card -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5459617
Complaint Overview
Complaint ID: 5459617
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: Florida
ZIP Code: 33172
Date Received: 2022-04-17T12:00:00-05:00
Date Sent to Company: 2022-04-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
There are two accounts from Capital One reporting as a charge-off on my credit report. In XXXX, I submitted a dispute to the credit bureaus and pointed out a discrepancy in the date of last activity. I also submitted a direct dispute to Capital One. Upon checking my credit report again now in XXXX, the account has not been corrected or removed. I also see that a remark has been added " account previously in dispute, now resolved ''. I am in complete disagreement as I do not believe my issue has been resolved. If these accounts were closed because they were charged-off, how can they report a charge-off each month? These accounts are repeatedly reporting a charge-off every month. This is inaccurate and unfair reporting. How can these accounts be reporting without showing the date they were closed? If the date closed is not reporting, then it is unverified information. I am attaching a copy of my disputes to demonstrate that the Credit Reporting Agencies and Furnisher were notified that the Capital One accounts on my credit report are reporting inaccurate and incomplete information.
Frequently Asked Questions
What is Complaint #5459617 about?
Complaint #5459617 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 2022-04-17T12:00:00-05:00.
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.