Consumer complaint received 2022-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
This is the copy of letter which was sended to credit bureaus and Capital One Bank NAME : XXXX XXXX XXXX : XXXX SSN : XXXX XXXX : XX/XX/1996 ADDRESS XXXX XXXX XXXX, XXXX XXXX CA XXXX SUBJECT : INVISTIGATION REQUEST! 
COPIES WILL BE SEND TO CAPITAL ONE, XXXX, XXXX, XXXX Hi dear Capital One, XXXX, XXXX and XXXX. This letter and attached copies will be mailed to Capital One Team, XXXX, XXXX, XXXX. Because of none professional representative of Capital One i got reported late payment on my 3 credit bureaus and loose about XXXX points, i attached my credit reports, screenshots of points that loose, prove that i have enough to make my payments on time. 2 months ago without any explanation my credit card of capital one was closed, on XXXX i was diagnosed XXXX  XXXX and get XXXX because i have a XXXX too and my health was critical, because of that i was not able to track my checking accounts and my checking accounts where closed, at XXXX of XXXX or XXXX of XXXX ( i can't remember exactly date ) i got a call from capital one regarding my payment and was informed that my payment was returned which i did on XX/XX/XXXX for fully close my balance with Capital One Bank , i told him my health problems and that i am XXXX he told me don't worry we are here to help you we have a program for XXXX and i will put a note on your account to not report a late payment and will wave out late fees and will give you extension. please give us a call when you will have a chance to make a payment i didn't know about THAT PROGRAM EVEN! and today i got a notifications from bureaus that i got reported a late payment on my reports, i called a capital one after speaking about 1 hour and 43 minute with 4 representatives last representative who was from fraud department try to get out from headache and told me that i need to go with my bureaus to resolve situation! and only after pushing several times rep told me address where i can send invistigation request and explanation! Now because of capital one representative i got reported late payment on my credit bureaus which destroyed my life! i am in mortgage refinancing process and now i will get a decline from bank because of UNPROFESSIONAL team of Capital One! if you will check my credit you will see that it's my first late account in my whole life and my credit report are about 20 account from different banks, i have a lot of auto loans and mortgage and no one of them where reported late payment on my credit report! please take a look on this! i am authorizing to take a payment of full balance XXXX $ from my new checking account of XXXX XXXX  account number XXXX routing number XXXX BUT I AM AUTHORIZING TO PROCESS PAYMENT ONLY AFTER THAT WHEN CAPITAL ONE TEAM WILL REPORT CREDIT BUREAUS THAT I GOT REPORTED LATE PAYMENT ON MY CREDIT BUREAUS BECAUSE BY THE FAULT OF THEIR REPRESENTATIVE! UNTIL THAT I AM NOT AUTHORIZING ANY ONE PENNY PAYMENT AND WILL NOT DO ANY PAYMENT UNTIL SITUATION WILL BE RESOLVED!

Company response to consumer: Closed with explanation