Consumer complaint received 2020-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
Retaliation performed by CapitalOne for reporting them to you, the XXXX  and the FTC~ As you are aware, the issues I have had with this business have been the most underhanded and malpractice experiences one could wish not to happen. When this problem started it was about how XXXX XXXX hit my account 2x for XXXX back in XXXX which underwent a series of calls between Capital One 360 and XXXX over the misconduct performed. The checking account I had was closed and a new one opened " so I thought '', which when my new direct deposit from my employer deposited it into the new account, Capital One had it go into the old account they said they had closed and they did not, this error led to other problems in a period of 5 months and counting. 
After 5 months of this back and forth nonsense with this business, I finally got the money back from XXXX, however the problems continued with the 360 checking of Capital one, a new debit card was issued for the supposed new account ( checking ) but they had blocked it, why I have no clue and they don't either. I got fed up by XXXX and just said no more, close out everything including the credit card, I don't have time to be on the phone daily over this and get no where, it was obvious any Dept. you spoke too was clueless as to what was going on. 
So I asked to pay off the Credit card which at the time it was XXXX, and i thought the funds were in the new checking account or old account i have no idea what they did but create one XXXX of a mess! Apparently the payment didn't go through as the funds were not there from all the back and forth confusion going on. I had asked them repeatedly to send a statement and a bill showing i owe them this money, because they continued to send me emails claiming i missed a payment, if the account is closed how do you miss a payment? Nothing was sent ( this was in XX/XX/XXXX ), months went on, more emails kept coming, I am working, behind the XXXX   of an XXXX XXXX, i dont have time to go home and call and get aggravated by more of this wishy washy whatever they throw at me.This was becoming dangerous, I am to be focusing on my driving not be on the phone battling with a bunch of double talk. XXXX rolls around, and finally I am listened too, They then agree to send me a statement of the balance i owe, even in the checking account which was they said XXXX. But now collections is claiming i owe interest on the credit card, now they said its XXXX - I did finally get the statement balance in the mail late XXXX but by that time it was over, and it showed i owed XXXX but according to Capital one, its now XXXX, the cost kept changing. So i told them, via chat box, I am sending them a electronic check in the amount of XXXX and thats it! Im done. Dont contact me, dont email me, dont call me, just go the XXXX away. ( Proof attached ), The check would be sent out on XX/XX/XXXX, they would receive it by XX/XX/XXXX at their XXXX XXXX XXXX In Illinois, this would cover the Credit Card balance and any other charges they claimed i was owing. 
The check Paid a few days after XX/XX/XXXX - I thought i was finished with these goofs, but nope, now they put on my reports all 3 that i missed a payment, there was NO PAYMENT, nothing was ever discussed of such. So i filed a dispute and contacted the XXXX, because now not only is minnesota office involved like the XXXX XXXX IL office, but here comes XXXX XXXX XXXX Utah Capital One claiming i am delinquent AFTER THE FACT the XXXX was quickly cashed ( proof attached ), so here i am again reporting them a 4th time, just when it looks like they made the corrections, today XXXX, i get an alert from XXXX  about my credit report, i open it up and BAM!, they reported me as a HIGH RISK in Red Letters to XXXX  and delinquent to XXXX  and XXXX. 
This is XXXX! ~ I am ordering them to remove their name and lies! And stay away from me that goes for ALL of Capital Ones offices jumping on this retaliation band wagon. These people are not going to try an ruin my life like they tried 14 years ago when they left a negative lie on my report and let it pass the statute of limitations back in XXXX, it took the FTC to get on their case about that as well. 
This business is like XXXX, if it dont get its way it retaliates. Bunch of XXXX  children. I tried calling Capital One tonight too find out what their problem was, i was put on hold for 25 minutes then the call was hung up from their end, so i'm finished with this XXXX.

Company response to consumer: Closed with explanation