Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9925236

Complaint Overview

Complaint ID: 9925236

Company: Capital One Financial Corporation

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a company's investigation into an existing problem

Sub-Issue: Their investigation did not fix an error on your report

State: Missouri

ZIP Code: 64130

Date Received: 2024-08-24T12:00:00-05:00

Date Sent to Company: 2024-08-25T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

This account was previously disputed with the help of the CFPB author credit for instructed to remove Capital One charges not reporting payments increasing interest rates fraudulent charges closing account and continuing to add monthly rates reporting every week in an attempt to constantly drop my score they reported no payments since the creation of the account this was previously investigated all three periods were instructed to remove it when I appeal after the investigation favored me I have multiple unauthorized charges and they were not reporting the payments that I had made they also closed the account without calls or purpose without verification of validation and did not report payments made while increasing the monthly rate without warning this account was removed from the credit bureaus on XXXX XXXX XXXX when I filed an appeal is approved our XXXX the XXXX XXXX XXXXXXXX as record of this original decision from the appeal filed with the CFPB and the protection agency On this account was not reporting from XXXX until XXXX the Capital One closed the account and reported it to the credit bureaus again after being removed and the credit bureaus allowed them to do it despite the appeal favoring me to close and remove Capital one which is why it was not reporting through all of those months they were not allowed to however when attempted to a close the account they reported that it was over the limit and that payments had not been made ever and despite the unauthorized charges and filing a dispute that this Capital One account had already been removed from the credit bureaus and the credit bureau XXXX XXXX and XXXX all have record of the appeal filed with the CFPB and the outcome yet they allowed Capital One to report this account as delinquent over the limit and closed after 4 months of not allowing them because I won the appeal for the dispute that I filed with my complaint against the credit bureaus decision to deny my dispute with evidence shown I brought that evidence here in XXXX and to the consumer protection agency when I filed my complaint on XX/XX/XXXX and Capital One was removed from the account on XXXX the XXXX this record is indicated at all three credit bureaus yet that was ignored even during my appeal to which I've lost leaving me no choice but to seek him outside agency to investigate the matter involving the unauthorized charges that they were originally removed for and that original decision that won my appeal post investigation of XXXX decision to deny my dispute despite the unauthorized charges reporting a close account without validation of verification not reporting payments made allowing the account to go over the balance limit closing the account and then still adding monthly fees increasing the monthly fees more than what was originally agreed to account takeover by XXXX XXXX occurred and unauthorized charges occurred thus the fraud report that is on all three credit bureaus I would like someone to investigate this matter and rule is previously ruled to remove Capital One for the reporting bureaus stop the continuous attack which has no basis or merit and is constantly dropping my score but then XXXX month I went from XXXX perfect score to a bad XXXX And that is due to Capital one 's repetitive attack on my credit score and doing so with falsified information fraudulent charges and fees I'm not reporting payments made while increasing monthly fees even after closing the account unjustly

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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