Consumer complaint received 2018-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I wrote Capital One Services regarding incorrect reporting of my account to all three credit bureaus. I was reported late for 4 months when that was not true. On XX/XX/XXXX, Capital One replied to my letter stating that they were unable to change their reporting of my account. On XX/XX/XXXX, Capital One Services sent me a letter of acceptance into their " Workout Program '' since I had elected to add two of my XXXX XXXX XXXX into Debt Consolidation. I had never been late on my credit cards with Capital One. On XX/XX/XXXX, I received another letter from Capital One accepting my second credit card into the " Workout program '' with no issues. On XX/XX/XXXX, I requested the assistance of XXXX XXXX XXXX  to talk with Capital One on my behalf to rectify the issues of falsely reporting me late repetitively on one of my two credit cards. On XX/XX/XXXX, XXXX XXXX XXXX responded and provided me verbiage from the email that was sent to Capital One. In the email to Capital One, it was alluded that my account was one of many that had experienced issues with my credit card reporting. On XX/XX/XXXX, XXXX received a response that was forwarded to me by XXXX XXXX of Capital One. The message stated that the issue was escalated and still being worked on. On XX/XX/XXXX, XXXX sent me an email stating that Capital One confirmed both of my accounts had been made current. With no hope I relentless tried for year to dispute this issue through the credit bureaus with no resolution. On XX/XX/XXXX, I sent an email to XXXX XXXX XXXX explaining my issue regarding one of my Capital One credit cards. I provided a dispute letter and the Work Out program contract from XX/XX/XXXX. I sent a follow up email to XXXX XXXX on XX/XX/XXXX. I received a call on XX/XX/XXXX from XXXX, Capital One representative who stated that she would look into my issue via an investigation. I spoke with XXXX again on XX/XX/XXXX who informed me that her investigation was over and that Capital One would not corrected any of the reported late payments to the credit bureaus. I questioned the reason of decision and XXXX stated that during the transition of XXXX paying my bill that it was a 10 day lapse in payment. I was confused and requested to see a breakdown of the data that she viewed. XXXX stated that I would receive the explanation in the mail. The letter dated XX/XX/XXXX admitting that I was approved for enrollment into the Workout program on XX/XX/XXXX and she listed that I was past due for the following dates ; 30 days past due in XX/XX/XXXX, 30 days past due inXX/XX/XXXX, 30 days past due in XX/XX/XXXX, 30 days past due in XX/XX/XXXX and 60 days past due in XX/XX/XXXX. XXXX stated in her letter that Capital One confirmed that they are reporting accurate information. In one of the  attachments, you will see records of payments made on the dates I was reported late.

Company response to consumer: Closed with monetary relief