Consumer complaint received 2022-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
I have 4 accounts with capital one. 100 % pay history. I was wrongfully terminated which unemployment found to be in my favor. The day I lost my job XXXX contacted all of my financial institutions and requested removal of all ach and automatic payments to manage more hands on. No accounts were past due at this point. It's been a nightmare since. I set up pay plan w>the capital one. I asked to not be reported and I was protecting my pay history. The agent said no problem. 3 separate payments on 3 separate accounts was to get me into the new year. with full access to all accounts. First payment in XXXX XXXX XXXX All minimum payments to get me through until my unemployment was approved. I am still waiting on Social Security determination. I receive my first unemployment this week sometime beginning XX/XX/22. since. I made first 2 agreed payments a 2 week early last payment was to be 5 days early. That's when I checked my XXXX report and my credit score dropped XXXX and my acct. delinquent for non payment. I contacted them they said they had no record of a hardship pay plan. or any notes attached to my account. So I said okay let 's set one up. Regardless of my situation and me telling them I have no money coming in they force you to agree to next day first payment which automatically puts you behind and locks your account. The late fees put my account over drawn I was charged the maximum more than once in a billing cycle. and this was 5 days before It was due. Not my inability to pay or lack of due diligence. There is much more. this is but 1 of my many disputes for fase reporting, improper record keeping, discrimination, and removal of card rewards and incentives when account is still in good standing. I want my name published on here. I've been bullied and left destitute after pleading for hours over conditions that are out of my control. ach merchants have a access number to my accounts that I nor Capital One have access to. Which means I don't have full control over my account Neither does Capital One. That alone removes my responsibility of debt. And no where in any agreement is that displayed in laments terms or verbally addressed for the consumer. When I asked for that number from capital one they got defensive and aggressive. and illegally altered accounts and charges and fraud disputes that has left me alone moneyless during holidays and Over 100 hrs of sitting on phone and being transferred. When my accts we're in good standing I was treated with dignity and respect. When they were not ( no fault of my own ) and I was able to prove it was not my fault but in fact their mistake. I've been transferred, yelled at, hung up on and treated different even laughed at as they were hanging up on me. every call says its recorded yet they say there are no records or notes. please attach my name to any publishings I'm ready to go all the way with this. enough is enough.

Company response to consumer: Closed with explanation