Consumer complaint received 2020-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Greetings and Salutations, I XXXX XXXX XXXX, have a automobile account with Capital One Auto Finance. Due to Covid-19 Pandemic Coronavirus I lost my job in XX/XX/XXXX. I have called and spoken with a representative from Capital One Auto Finance and had my payments from XX/XX/XXXX to XX/XX/XXXX ALL DEFERRED. I have EMAILS and MAILED OUT LETTERS from Capital One Auto Finance, XXXX XXXX XXXX, XXXX, Texas XXXX Phone # : XXXX ; that states CONFIRMATION of DEFERMENT. I have paid and made a payment of my month of XX/XX/XXXX bill. I paid it on XX/XX/XXXX. That is due on the XXXX of every month. I paid {$870.00} my payment due of every month is {$860.00}. I do not understand why they are reporting negative information to the Credit Bureaus on my credit file of late payments. The Credit Department at Capital One Auto Finance are destroying my credit and are reporting negative credit information that is a negative credit deformation of character. I am very, very, very DISPLEASED with this branch of this company. I do not know at this company keep reporting this negative inaccurate information on my credit report. My score has went from 750s to a rock bottom low of 500s. This unconstitutional wrong under the Fair Credit Reporting Act. I do not understand I have always communicated with this company to show my loyalty. I do not have anything as a verification of debt, that is showing late from them at all, nothing no mail nor not even a email. Everything online shows that I am current and nothing is showing late. What on earth is, where this online negative information is keep coming from. Because as if this company is waiting on me to fall to as missing some payments, as failure. All I want is this to be fixed immediately, I am tried. I am tried of being a XXXX man who is doing what he supports to do, is the right thing and I have negativity online demons hackers, hacking my information working through cyber space. To just keep me down to not secede in life to enjoy the pursuit of happiness, to be well able to take care of my family, and be employed. I am tried. For I AM a man who is doing what I supposed to doing just stop trying to keep me down. I really do not know who it is at this company, or why they keep doing this, if I had known that Capital One Auto Finance as being a active XXXX to the lineage line to the XXXX XXXX of XXXX, and XXXX XXXX XX/XX/XXXX,XX/XX/XXXX of the World who is RECOGNIZED from XXXX XXXX XXXX XXXX XXXX in  XXXX , TN from XXXX XXXX XXXX,XXXX XXXX XXXX XXXX in  XXXX, TN under XXXX XXXX XXXX,XXXX . I went have not even gotten this car dealing with Capital One Auto Finance. I can not believe that I have mailed out letters of DEFERMENT due to Covid-19 Pandemic Coronavirus and also EMAILS, and made a payment over the amount to pay for XX/XX/XXXX and still reported late before the Due date of the XXXX of every month. Which I also have a grace period of 10 days after the due date, this contract has already have been canceled and deferred due to this consumer is not in compliance their own contract that they have wrote up to me. I am very DISPLEASED, DISAPPOINTED, and DISSATISFIED.

Company response to consumer: Closed with explanation