Consumer complaint received 2022-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
On XX/XX/XXXX, I reviewed my XXXX statement from Capital One and saw they reported an inaccurate balance of {$82.00}. I have been paying my balance in full for the past few months now. I am very confused how theyre reporting FALSE balance to the bureaus and making FRAUDULENT statements. I have been a consumer for over 5 years. This now makes me want to leave and NEVER DO BUSINESS with Capital One EVER again. 
My transactions totaled {$1000.00} for a 31 day billing cycle ( XX/XX/XXXX XX/XX/XXXX ). There was a total of 4 payments made during my cycle. The following payments were {$200.00} on XX/XX/XXXX, {$500.00} on XX/XX/XXXX, 2 payments of {$82.00} each on XX/XX/XXXX. I also had credits included from rewards and refunds which totaled {$150.00}. Anyone can do that math and see that balance was paid in full. 
I contacted Capital One XXXX XXXX XXXX following the issue above. I was on hold for an extended period and hung up since I could not get through to speak to an agent. I called again XX/XX/XXXX around XXXX cst. I finally spoke to an agent named XXXX and was on hold for over 20 mins trying to get the issue resolved. He assured me my payment will reflect on my next billing statement. After, the call I disputed the matter with XXXX XXXX. Following that dispute they decided to report a balance to the bureaus reflecting transactions made after my billing cycle. I decided to leave the matter alone since agent XXXX said that it would be fixed. I also asked multiple times for documentation when on the call. He just kept assuring me it will be handled next statement cycle. 
My XXXX statement was finally available on XX/XX/XXXX. When I see my statement, it still showed that I had a previous balance of {$82.00} from XXXX. Which are inaccurate calculations if my balance was paid in full. So, I contacted Capital One again for the THIRD XXXX time following this matter of false statements and inaccuracies. The call was made around XXXX. I spoke to an agent named XXXX he then stated that I would receive a statement in the mail within 3-10 business days reflecting that my XXXX balance was paid in full. I asked to receive it digitally because in the app it just looks like theyre trying to HIDE their FRAUDULENT statements. The agent XXXX then says, It will be fixed on your next billing cycle. I asked to speak to someone else because now youre giving me two different answers. The call was then handled by a supervisor named XXXX, she was stating that there was no error and proceeded to go over the FALSE BILLING STATEMENTS. I told her I am looking at my transactions and there is ERRORS AND INACCURACIES. She insisted there was no error. So, I stated that I would just have to report the issue to a higher matter. I also received an email before the call stating there was a system update causing an error in my due date.

Company response to consumer: Closed with explanation