Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #7896598
Complaint Overview
Complaint ID: 7896598
Company: Capital One Financial Corporation
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Public record information inaccurate
State: Virginia
ZIP Code: 239XX
Date Received: 2023-11-23T12:00:00-05:00
Date Sent to Company: 2023-11-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I filed a XXXX XXXX and paid it off. I paid the entire amount of my loan with Capital One. The layer placed the arrears of the loan in the XXXX XXXX which I paid. I continued to make monthly payments until my loan was paid in full. After I got my XXXX XXXX discharge, I was contacted by Capital One that I had past due amounts in the amount of {$1300.00}. They stated it was because the length of the loan. The XXXX was paid within the terms of the agreement. They would not release my loan until I paid the amount they stayed was because of the length of the loan even though my line was paid off before my XXXX XXXX was paid. The lady was very rude and blocked my cell and home numbers. I had to use a neighbors number to get through and then my social security number was blocked. Every time I called the 800 number for XXXXXXXX XXXX XXXX XXXXXXXX XXXX the same lady e we other s as very thick accent would answer. I called in the mornings and she answered and if I called late evenings she would answer. She refused to release my title until I paid the amount she stated I owed. The same week I paid the amount she stayed. I was reported as a charge-off. It was not a charge off! How can they report this to credit bureau after I paid the full amount of my loan and this amount she stated was delinquent? My credit rating dropped by XXXX because of this companies dishonest employers. They refuse to take my calls and tell me why!
Frequently Asked Questions
What is Complaint #7896598 about?
Complaint #7896598 was filed against Capital One Financial Corporation regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2023-11-23T12:00:00-05:00.
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 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.