Consumer complaint received 2018-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
In XX/XX/XXXX, I opened a store account called XXXX. This is a very new account. The account is through Capital one bank.My first bill was due XX/XX/XXXX. I paid the bill out of one of my accounts, which happens to be a prepaid checking account through XXXX bank. 
This payment was rejected, due to the fact that, even though it has a routing and an account number, it is still a prepaid account. When I realized this payment had not come out, I called them, and they stated the payment was rejected, because they did not take this type of payment.I then in turn, set up another payment to come out on XX/XX/XXXX, form my XXXX XXXX XXXX Personal Checking account, so that my first payment would not be reported 30 days late. After a few days, I watched my bank account online, and I calledXX/XX/XXXX back, and asked did you take the payment on the XX/XX/XXXX. They stated yes, I called my bank to see if the {$66.00} payment was attempted to be electronically pulled from the account on the XX/XX/XXXX, or anytime after that, on XX/XX/XXXX, and my bank stated no. I knew then, that something was wrong. On XX/XX/XXXX I received an email alert saying that my score had dropped, and a creditor had reported a payment 30 days late, Now, in my past, I have had some identity theft problems, as well as I recently lost my wallet earlier this year, so I have a fraud alert on my credit, as well as alerts set up when my credit is ran, or any type of activity on my credit report is going on, and I recently just had freeze 's removed from my credit.. I was furious when I saw this 30 day late payment in my email. I immediately logged into my XXXX account,, from my cellphone, to see who it was, and it was XXXX for Capital One. I called XXXX on XX/XX/XXXX, and asked them why wasn't my payment taken from my checking account. I explained the situation to the customer service rep, and I asked her to verify my routing and account number for my XXXX personal checking account. After we verified the account number, then the routing number, we realized that the last digit in the routing number was wrong. That is the reason my payment did not go through on XX/XX/XXXX, and that is why I was reported 30 days late. I explained to the rep. I do not know who is at fault, but I gave the right routing #, and account #,. I do not know if that person did not hear the last digit correctly, or it could have been a simple typo error., but in any event, I took a big hit for this!!. My score dropped down about 20 points, and my first payment is showing 30 days late. This is unacceptable.!!. I asked to speak to a supervisor. He took my information, and said an investigation would be done, and my account would be notated, and This process could take anywhere from 6 to 8 weeks. This is very unfair, and unacceptable, and I want this late payment removed from my credit report immediately, until this investigation is complete, Because All they had to do is send me an email, or a phone call, or text message, stating, they attempted to draft your payment, but something is wrong. They did not do that!!. Just like they bombard my email everyday, sending me constant coupons to shop, they could have reached out, and said something about the payment.

Company response to consumer: Closed with explanation