Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6413509
Complaint Overview
Complaint ID: 6413509
Company: Capital One Financial Corporation
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Old information reappears or never goes away
State: Georgia
ZIP Code: 30019
Date Received: 2023-01-08T12:00:00-05:00
Date Sent to Company: 2023-01-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had a credit card with Capital One in XXXX. Unfortunately, due to financial issues, I was unable to pay the balance and the account was reported as XXXX. In XXXX, I did receive collection calls from a different agency for a few months and then the calls stoped. In XXXX is when i started receiving calls again by someone named XXXX to discuss solutions to my credit card balance. The credit card debt should have fallen off by XXXX if the account was unpaid since XXXX. I feel as though the credit card collections are restarting my clock on this debt and Im curious to know how this can be legally allowable. I have already suffered enough of a financial hardship with having this on my credit report, but to have it restarted is completely unacceptable. I am please requesting that the error be corrected since the account was technically charged off in XXXX. My credit report shows that I have numerous months of late payment since XXXX.
Frequently Asked Questions
What is Complaint #6413509 about?
Complaint #6413509 was filed against Capital One Financial Corporation regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2023-01-08T12:00:00-05:00.
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.