Credit card -- Incorrect information on your report -- Complaint #7559887
Complaint Overview
Complaint ID: 7559887
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Public record information inaccurate
State: Washington
ZIP Code: 98119
Date Received: 2023-09-16T12:00:00-05:00
Date Sent to Company: 2023-09-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I've been attempting to apply for credit limit increases with Capital One for XXXX years now. I have XXXX cards with the company and have been a customer for upwards of 6 years now. Starting roughly XXXX years ago, they claim that there is pending legal action against me and that they are unable to authorize my credit limit increase request because of this. I have called them multiple times requesting additional details on where this information is being sourced from and how I can correct this and making sure they understand that there is no pending legal action against me. I have also confirmed firsthand and relayed to Capital One that my credit reports from the XXXX major bureaus do not show any evidence of pending legal action. Everytime I try to solve this issue by calling them, they tell me they can't provide me with information on where they get their information from, and then when I attempt to escalate to a manager I am being told that they will file a ticket and follow up with me but never do, or tell me that there's nothing they can do for me and that I'm welcome to try applying for an increase again if I believe this is in error. I have tried applying at least XXXX times now, and everytime I get the same denial with the same reason.
Frequently Asked Questions
What is Complaint #7559887 about?
Complaint #7559887 was filed against Capital One Financial Corporation regarding Credit card specifically about Incorrect information on your report. It was received by the CFPB on 2023-09-16T12:00:00-05:00.
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) 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.