Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8246852
Complaint Overview
Complaint ID: 8246852
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: Account status incorrect
State: Pennsylvania
ZIP Code: 19136
Date Received: 2024-01-29T12:00:00-05:00
Date Sent to Company: 2024-01-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I opened a Capital One credit account through XXXX to help build my credit. I made my security deposit & received my card. I use it occasionally just to help build my credit. On XX/XX/XXXX, I charged {$110.00} to my capital one account. I do these charges again to help build my credit & I then immediately pay the balance once the balance is posted on Capital Ones app. On XX/XX/XXXX, I made the payment of {$110.00} paying it off. Capital one without my knowledge set automatic payment to my account so by doing this I got charged against for {$110.00} which was set to be paid XX/XX/year> for automatic payment even though I had already paid this balance. Today when I checked my credit score, I noticed that my credit score dropped by XXXX points for being late / delinquent on a payment. When I called Capital one, they told me that my balance was {$0.00} & it said the same on the app. When I checked an alert of a " New account '' under the negative options for my credit, it stated that I owed a balance of {$110.00}, the amount if paid. When I contacted them they told me that it was my fault for not keeping track of my account & automatic payment method. They have destroyed my credit when I put trust in them to help me build it. I don't know what to do. They destroyed it for no reason at all other than they tried to steal money from me. I am considering contacting a consumer rights attorney and suing for damages
Frequently Asked Questions
What is Complaint #8246852 about?
Complaint #8246852 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 2024-01-29T12:00:00-05:00.
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.