Consumer complaint received 2022-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Their investigation did not fix an error on your report

Complaint:
Capital One sent the decreased notice of XXXX on XX/XX/2022, one day after I filed the first complaint with the XXXX, a letter informing me that they had decreased my credit on my credit card by XXXX brought my available credit on that card down by half and leaving less than 100 dollars worth of credit available on the card that had the month before XXXX credit line. By doing this Capital One ensured that I could do nothing else with the card that I was already paying thousands on but pay them even more than expected but this time to avoid their overages from fees. All the while they were actively being PAID THOUSANDS OF DOLLARS and sometimes paid more than once in a month all while NO payments were due And Capital One did this because the 0 % offer on the card was expiring at the end of XX/XX/2022 and it looked like I was trying to pay off the card before thenand I did. 

Capital Ones corrupt activities among all the other banks that I do business with has decimated my credit limit, score, and overall credit worthiness. All while I was doing everything in my power to bring it up. This is a fraud, and corporate corruption by way of misrepresentation and deliberately misreporting facts, and in the case of Capital One retaliation for overpaying ahead of time. This corruption HAS TO STOP! 

XXXX XXXX is to blame for their actions and Capital One is very clearly a stand-alone in the type of bank that they are when it comes to separating humans from their money at the same time their lives and livelihood are on the line by way of their creditworthiness Capital One has proven they are the worst that humanity to has to offer as far as lending institutions are concerned this one is hell-bent on destroying people through misrepresentation of facts and irreparable harm that they can cause they will a persons credit score, credit worthiness and then made worse by the undo penalties received by Capital One who is well paid and need only look at the relationship I had with them to see that there was no need to panic or react in any way to an errant claim on my credit report. There are many other cards that I have that did nothing and I have no complaints about them and they have nothing to complain about me because they too are paid if they are owed. 

Obviously I want nothing to do with Capital One but closing the card would further damage my credit score!!!! Because of this corruption, I am forced to do business with malevolent enterprises like Capital One and XXXX XXXX!! It is absurd, that these parasites should have more control over my credit score than even I, or the credit reporting agencies do and only the power to destroy not restore. 

I want my credit limit restored without my having to reapply for that credit and further degrade my score for being the victim of an errant reporting in the first place. This is fraud and blatant corruption of the credit reporting system and a means to exert control or diminish a persons worthiness and ability to apply for credit without a concern of how that may affect my score and all the other credit cards in the balance, and this needs to stop. Retaliation for on-time overpayments is corporate corruption, fraud, and misrepresentation. 

I want my credit, and my creditworthiness with regard to Capital One restored to a score that more reflects the relationship that Capital One enjoyed by being overpaid sometimes twice in one month. I want the equivalent of no less than XXXX in cash paid directly to me by Capital One. Cash, not credit. I want the XXXX accounts that Capital One decimated to be restored with no less than XXXX in credit placed on that newly restored card for a total repayment of cash and credit of a bare minimum of XXXX. 

I want Capital One to see a decrease in their credit limit and FDIC bank score, effective Immediately. Capital Ones bank score should not be restored until they prove they can engage in activities that look more like the other major banks and less like XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation