Consumer complaint received 2023-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
First I would like to comment My credit report states that I was late on XX/XX/ XXXX XXXX XXXXXX/XX/ XXXX. I was not late on either month in 2022. 

In XXXX I was injured and I required XXXX XXXX on XX/XX/XXXX to repair a XXXX XXXX XXXX XXXX I made a payment of {$330.00} on the XXXX XXXX  XXXX which was {$26.00} less than my actual payment of {$350.00}. I was unable to pay the full payment at the time because I was waiting for my XXXX XXXX payments to come in the mail from California. I live in XXXX They did not put the money in my account. Rather mailed a paper check to me every week. Capital One auto finance assessed me a {$17.00} late fee. I paid XXXX on XX/XX/XXXX including {$17.00} late fee along with the {$26.00} remaining payment for my XXXX payment. 

Capital One auto finance made an error. Instead of applying XXXX towards the late fee they assessed, they applied it toward interest paid. The {$25.00} was also applied towards interest paid. The credit report states that I am 30 days late {$26.00} in XXXX. I was not XXXX days late. 

I was having difficulty with my recovery after the XXXX and in XXXX I made a phone call to let them know that I was having difficulty with my payment because the XXXX XXXX insurance company was reinstating my XXXX for an additional 6 weeks and again it was taking time to process and mail those checks from California. 

I called Capital One auto finance on the 25th day of the cycle. I asked him if there was any opportunity to skip a payment. The representative put me on hold and he returned and said that since I was a good customer and because of my hardship they had a program for me. The representative told me he needed to make a recorded statement of why I needed to skip a payment. The representative put me on hold again. When he returned he told me that the program available for me was to take my XXXX payment splitted into three payments over XXXX, XXXXXXXX XXXX  XXXX. My payment would go from {$350.00} to XXXX. And my new due date would be on the XXXX  of each month for the next 3 months. I was told not to make a payment on the XXXX. After XX/XX/XXXX passed I was assessed a {$17.00} late fee. I made my payment on the XXXX XXXX  XXXX as I was told. Because I was a sister {$17.00} late fee. I was very afraid that I was going to be assess this fee every month for the next 3 months. 

Capital One auto finance agreed that my due date was XX/XX/XXXX but they charge me a late fee and marked me late anyway. I have always been a good customer and I could not believe that they were treating me like this. If they didn't have a program for me they shouldn't have offered it and if they weren't going to stick with what they promised, they shouldn't have offered it to me. 

I'm trying to purchase a home and this is the only thing on my credit report that is affecting my score and my ability to purchase a home. 
I am a XXXX XXXX XXXX connected XXXX veteran.

Company response to consumer: Closed with explanation