Credit card -- Incorrect information on your report -- Complaint #8414119
Complaint Overview
Complaint ID: 8414119
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: Louisiana
ZIP Code: 71220
Date Received: 2024-02-24T12:00:00-05:00
Date Sent to Company: 2024-02-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XXXX XX/XX/XXXX, I called Capital One Bank to make a monthly payment. I asked the agent what would be the lowest payment amount that I could make without being reported 30 days late to the XXXX credit bureaus and still be current. She asked me if I could make a certain amount and I asked her if she could give me a second amount that would allow me to be current and not reported 30 days late. She told me to hold on for a few minutes as she made a new calculation and told me that the lowest amount to be current and not reported as 30 days late would be {$17.00}. I even remember asking her if she was sure that the {$17.00} would be enough and she laughed and replied yes and not to worry. So later on, on XXXX XX/XX/XXXX, I got an alert from XXXX stating that I was XXXX payments past due. I immediately called Capital One and explained to the agent who answered the phone what had happen and she transferred me over to a supervisor. The supervisor told me to hold on while she pulled up the conversation. After XXXX minutes she came back to the phone and told me to give them 10 days to call me back with a decision. Today is XXXX XX/XX/XXXX and no one has gotten back to me. I have been with Capital One since XXXX off and on and have never ever in my life been late with them.
Frequently Asked Questions
What is Complaint #8414119 about?
Complaint #8414119 was filed against Capital One Financial Corporation regarding Credit card specifically about Incorrect information on your report. It was received by the CFPB on 2024-02-24T12:00:00-05:00.
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.