Consumer complaint received 2022-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Letter Sent to Kohl 's on XX/XX/XXXX To Whom It May Concern : I am writing urgently concerning a late and delinquent charge that was reported to the credit bureaus without my knowledge. 
As mentioned above, I have been a loyal Kohls card holder since XX/XX/XXXX and setup my auto payment information last year as I do with all my credit card accounts. I always pay on time as you can review my payment history to verify, and in general I pay all my bills via autopay so I am never late. I had no reason to believe I even had an outstanding balance on my Kohls card. I never received an email, correspondence thru the mail, or a phone call to alert me something was wrong. The only way I knew my credit was affected was thru my credit monitoring service that alerted me two negative/late items were reported. I then called Kohls credit card customer service on XX/XX/XXXX to inquire what exactly happened. The representative told me it looked like my auto payment was not setup properly and he was not sure why. He had to transfer me to another department to set it up again. I paid the outstanding balance yesterday, XX/XX/XXXX as well. My argument here is, that I did my part when my account was opened last year to update my payment information and enroll in autopay, and payments have always been timely. It is no fault of my own that the payment was not collected timely by Kohls credit. 
I am requesting the derogatory items from all three credit reports be removed immediately. I have attached a copy of the credit report pages that indicate the negative items. Please contact me by phone xxx-xxx-xxxx or in writing at xxxxxxxx on the status and resolution of this issue. 
Please note, that the same letter was mailed to Kohls credit administrator and Kohls corporate. All the credit reports were attached with the letter that went to Kohls credit only. 

Online disputes were submitted by me to XXXX on XX/XX/XXXX and XX/XX/XXXX have been closed by them. The late payments were not removed. Written disputes/late payment removal requests have been mailed on XX/XX/XXXX via certified mail/return receipt. Here is what was written in the letter to the credit bureaus : RE : Disputing Late Payment on Credit Report and Requesting Removal of Late Payment by Kohls Credit Card, Acct # XXXX XX/XX/XXXX To Whom It May Concern ( XXXX, XXXX, XXXX ) : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains one late payment of {$37.00} reported on XX/XX/XXXX in my name on my Kohls Credit Card account.

I want you to know that I understand my financial obligations, and per my payment history, I have never been late on any of my accounts with 100 % rating of on-time payments with all 3 credit bureaus and creditors. I tried to rectify the late payment issue with Kohls by sending them a letter and calling their customer service department questioning why they made a late payment remark on my credit report when I have always been enrolled in automatic payments with them and all of my creditors. Kohls never sent me any letters in writing or via email to notify me of the late payment issues. I had to find out through a credit monitoring service that I use to alert me about this. I have been a victim of identity theft in the past, and I am extremely diligent in paying all my debts on time and securing my financial and personal information. Additionally, Kohls claims they were not able to see why the automatic payment did not work and will not take accountability for this at all. It is obvious Kohls had a systems issue and do not hold themselves accountable for this error. Kohls refuses to remove the late payment. Im planning to apply for an auto loan and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could make a goodwill adjustment to remove the one late payment for {$37.00} submitted by Kohls on XX/XX/XXXX and XXXX, XXXX. As a current frontline employee at XXXX XXXX XXXX, Military Spouse of a Veteran, and Mother to an XXXX XXXX XXXX in the XXXX XXXX, I thank you for your consideration, and I hope youll approve my request. 


Best, Kohl 's credit card holder

Company response to consumer: Closed with non-monetary relief