Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6616837
Complaint Overview
Complaint ID: 6616837
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: Account status incorrect
State: Georgia
ZIP Code: 30228
Date Received: 2023-02-25T12:00:00-05:00
Date Sent to Company: 2023-02-25T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XXXX XXXXXX/XX/2022 at XXXX XXXX XXXX XXXX I placed an order ( Order # XXXX ) using my Kohl 's credit card. Order was was updated and several items removed by Kohl 's. Order was shipped and delivered on XX/XX/2022. After reviewed of received items, I went to Kohl 's store : XXXX XXXX, XXXX, XXXX, GA on XX/XX/2022 to return all received items. XXXX at the store informed me that she could not return the items because my order doesn't appear in her system. She then recommended to call Kohl 's customer service to process my return. On the same date of XX/XX/2022, I call Kohl 's customer service toll free line and spoke to a customer service who stated : " We acknowledged your request to return the order and we will process your refund in the next 3 to 5 business days ; However, you do not have to return the items. Please give them to a charity or donation or you can keep them ''. I insisted to return the items and she said she can't take them. So I was really clear that I am not to be charge for any fees. She said that I am safe to give them away. A couple months later, on XX/XX/2022 I received a letter from Kohl 's asking for me to make payment of {$100.00}. Which seemed strange when I placed an order of a total of {$51.00} then later adjusted by Kohl 's on the basis that some items " Recently Sold Out ''. So my order total become {$45.00}. So I called Kohls customer service and I talked to XXXX ( Employee ID XXXX ) Who stated that no record of my previous discussion were enter for that order and it appears that Kohl 's systems still have me responsible to pay the {$45.00} plus {$100.00} fees. I argued that was not true and they should have record of my previous communication with initial Kohl 's agent. None was found. I then asked to speck to a supervisor : XXXX XXXX XXXX XXXX A reference case was established : XXXX where XXXX fully addressed the mater and stated that my account should be cleared from {$140.00} to {$0.00} balance soon. She also heard the situation and also took notes and assured me to reverse all charges. Now I am really surprised to see Kohl 's completely HURT my credit score to poor due to their lack of professionalism and amateurism. Kohl 's sent false report to Credit bureau accusing me of missing payment when it was never the case.
Frequently Asked Questions
What is Complaint #6616837 about?
Complaint #6616837 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 2023-02-25T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with 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.