Consumer complaint received 2021-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
This letter was sent to capital one due to some inconsistency of reporting on my credit card account ending in XXXX. I was charged late fees on an account already closed and I had no notification whatsoever. The company doesn't want to reverse the entry, meanwhile I've desperately tried to get their attention on this matter since it has caused so much stress on me and my family. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX Phone # : XXXX Capital one Bank Credit Bureau Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : Account # XXXX CASE ID : XXXX To whom it may concern, I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with Capital one for many years. During the course of our business association I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, last week something strange happened. My account was reported 30 days late due to an unforeseen circumstance. In fact, the account has been closed for a couple of months now, but there was a balance reported on it around XXXX of this year surprisingly for a XXXX account in the amount of {$1.00} XXXX. I completely paid off this balance on XX/XX/XXXX ; little did I know that I was being charged again for some kind of interest on purchases for {$18.00}. I would like to reiterate that the account is closed so I have no way of receiving notifications unless something is reported to the bureaus. So last week that amount was reported late for a total of {$73.00} including late fees and interest again. However Ive taken care of this balance on XX/XX/XXXX and the account is now at XXXX again. I made sure to fulfill my obligation to ensure your company suffered no loss whatsoever. My account had never been late throughout the years of my relationship with the bank. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now this late payment on my credit report has caused a tremendous amount of stress for me and my family. Im in the middle of closing on my first home but the negative remarks have swindled the process sideways. 

This is where my goodwill request comes in, I desperately need to close on this house and I would be extremely appreciative if you would please complete a UDF-Universal data form and fax to the credit bureau to remove that entry. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how I had an account with you. 




Kind regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief