Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5550032

Complaint Overview

Complaint ID: 5550032

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: Problem with personal statement of dispute

State: North Carolina

ZIP Code: 28027

Date Received: 2022-05-06T12:00:00-05:00

Date Sent to Company: 2022-05-06T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I wrote a letter to Kohls, Capital One XXXX. Requesting to have my late history during a State of an Emergency XXXX removed is what the Federal Government put in place. I m not asking you to lie. I am asking you to oblige : Under the Credit Protections Under the Coronavirus CARES When Federal Law Prohibits Negative Credit Reporting The CARES Act, which was signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) Their response is they can not report inaccurate information.. My response back to them is providing them information regarding the Credit Protections Under the Coronavirus CARES.

Frequently Asked Questions

What is Complaint #5550032 about?

Complaint #5550032 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 2022-05-06T12:00:00-05:00.

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 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.

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