Consumer complaint received 2021-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This XXXX XXXXXXXX XXXX account was settled for {$530.00}. All payments were made as agreed before XX/XX/XXXX. XXXX payment made over phone XX/XX/XXXX with supervisor XXXX informed XXXX I'll call and provide CERTIFIED XXXX XXXX XXXX mailed to XXXX GA tracking number so there's no issue on XX/XX/XXXX and I would report payments to XXXX. Was unable to reach XXXX XXXX, XXXX, & XXXX asked Rep for his supervisor XXXX told she was in meeting left number no call back. XX/XX/XXXX mailed last payment {$20.00} same as above tried to reach XXXX and XXXX again ignored and no call back left messages. 

XX/XX/XXXX XXXX I called XXXX XXXXXXXX XXXX spoke to XXXX informed her I reported payments to XXXX not a dispute had to click dispute to access options, chose other and reported payments. She stated it looked like dispute, thanked me for clarification and notated my account. I inquired about payment XXXX informed me there was only one for {$20.00} on XX/XX/XXXX I stated " your out of your mind I made a {$250.00} payment with XXXX over the phone '' she stated " oh yes I see that '' when I asked her about the {$250.00} mailed certified XX/XX/XXXX at XXXXXXXX XXXX to arrive XX/XX/XXXX XXXX stated it was not there. I was Livid informed her I would report company to USPS, FTC, OMBUDSMAN, Every Government agency there was because no way a {$20.00} check should post before {$250.00} that was mailed a month before. XXXX new about I called to inform him and for some strange reason I could never get in touch with that guy. 

I hung up tracked it, it stated Arrived XX/XX/XXXX at XXXX XXXX MN XXXX on receptionist desk. All money orders receipts states MAILED XXXX GA, who illegally rerouted to XXXX and why only XXXX  knew it was coming. He was informed on a RECORDED LINE. Beyond Livid I called back spoke to XXXX XX/XX/XXXX @ XXXX briefed her on XXXX and I convo and latest discovery. She was didn't seem to care they never care mattarfactly I detect Biases and only speak to people of XXXX or XXXX XXXX and they talk to me indifferent. I'm smart and get where their coming from XXXX wants dismiss my call do a dispute but she doesn't have tracking information to submit. XXXX the supervisor still wouldn't intercede nor come to phone. I was infuriated, crying because after my call with XXXX later I checked credit report and THIER REPORTING ME NEGATIVE AND IN GOOD FAITH I PAID SETTLEMENT MONEY ON TIME. 

TODAY IS XX/XX/XXXX the only way I spoke to XXXX was because I called her back if that wasn't BIAS WHAT IS!!! XXXX AND XXXX INFORMED HER OF FRAUD MISSING XXXX. SHE SPOKE TO ME DISMISSIVE I AM XXXX XXXX I FEEL ALL THEIR ENERGY AND IT'S SAD. Their office is in Florida I did an Inquiry on Money Order Sat. 

Meanwhile, XXXX was informed to CLEAR MY NAME WITH THE BUREAU XXXX KNEW I MAILED THAT MONEY ORDER I REPORTED IT TO XXXX WITH TRACKING NUMBER. For some strange reason when I made complaint XX/XX/XXXX with USPS TRACKING KNOW SHOWS MONEY ORDER ARRIVED IN XXXX GA XX/XX/XXXX THAT'S PREPOSTEROUS WHEN I CHECKED IT STATED XXXX. 

EITHER WAY IT WAS MAILED XX/XX/XXXX {$20.00} WAS MAILED XX/XX/XXXX AND POSTED TO ACCOUNT. XXXX AND XXXX I BELIEVE FOR WHATEVER BIAS REASON LOCATED IN FLORIDA KNOWS SOMETHING BOTH IGNORED MY CALLS. I WANT MY CREDIT REPORT UPDATED PAID SETTLED. THIS IS FRAUD I PAID DEBT. 

TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX. MONEY ORDER # XXXX FROM XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX TO XXXX XXXXXXXX XXXX XXXX GA XXXX ARRIVAL XX/XX/XXXX CERTIFIED MAIL ALERT!!!!! XXXX XXXXXXXX XXXX DID NOT COME UP ON YOUR LIST PLEASE TELL ME WHAT COMPANY THIS IS AFFILIATED WITH XXXX. 

I WAS DIRECTED TO SEND MONEY HERE. THIS NUMBER IS ON MY CREDIT REPORT AND WHERE SETTLEMENT WENT XXXX IF THIS IS IDENTITY THEFT AND I'VE DEFRAUDED IN THIS MANNER I INTEND TO SUE.

Company response to consumer: Closed with explanation