Credit card -- Incorrect information on your report -- Complaint #7563063
Complaint Overview
Complaint ID: 7563063
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: Account status incorrect
State: Oregon
ZIP Code: 97132
Date Received: 2023-09-17T12:00:00-05:00
Date Sent to Company: 2023-09-17T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
Capitol One 's system apparently " bounced back '' ( their words ) my email. This is the second time it has happened. I called the first time and they said they corrected it. I had the green option turned on so my statements came through my email. I did not get statements for two months, they did not bother to send something through the mail to tell me I had a overdue payment, instead they placed derogatory information on my credit report lowering my rating by XXXX points. The only way I found out was my bank XXXX alerted me to the derogatory report. I looked up the account, immediately paid the past due and called Capitol One. They told me they would refund the late fees but I would have to write a letter explaining the problem. WRITE A LETTER, with all my personal information, ss, dob, credit card number, what are we living in the 19th century? What could possibly go wrong, I have already had my info stolen once. They have acknowledge the problem was on their side, have refunded the late fees but will not refund the extra interest and refused to remove the derogatory information until they get a letter. I want the derogatory info removed NOW.
Frequently Asked Questions
What is Complaint #7563063 about?
Complaint #7563063 was filed against Capital One Financial Corporation regarding Credit card specifically about Incorrect information on your report. It was received by the CFPB on 2023-09-17T12:00:00-05:00.
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 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.