Consumer complaint received 2017-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Delinquent account

Complaint:
Because I sustained a life-threatening injury in XX/XX/XXXX, my wife took over paying the bills. In the last 2 years, my wife racked up XXXX in credit card debt without my knowledge as well as spent a great deal of our savings. I found out what had happened and took over the bills in XX/XX/XXXX. At first, my wife refused to give me complete financial control over our income, bills and budget. This impasse took us to pursuing a divorce. At that time, I noticed that a Capital One card that I had opened in my name with an original credit limit of {$500.00} was raised by my wife to {$5000.00} and almost maxed out to a balance of {$4600.00} as of XX/XX/XXXX. Capital One allowed her to raise the credit limit and charge that much without my consent or knowledge. I notified Capital One by phone on XX/XX/XXXX about my circumstances. They advised me to talk to the fraud department who told me that I would n't be responsible for the debt, they were placing my account on suspension as of that day and that I would n't be liable for the balance. They mailed me the paperwork for the fraud investigation. In XX/XX/XXXX, my wife and I came to an agreement to abandon divorce proceedings and reconcile based on the agreement that she would give me complete control over our income and budget allocation so that we could pay off our bills and live within our means. On XX/XX/XXXX, I contacted Capital One and told them that although my wife had accumulated that debt without my consent or knowledge, I would be responsible for the debt and for them to stop the fraud investigation. I did NOT receive a statement from them for XX/XX/XXXX or XX/XX/XXXX and was not concerned because I was advised by Capital One that my account was suspended and that I was NOT responsible for payments. I received a phone call on XX/XX/XXXX from Capital One asking me to make a minimum payment of {$810.00}. I told them that my account had been suspended and that NO payment was required for XX/XX/XXXX or XX/XX/XXXX and that my normal monthly payment was around {$130.00}. I also told them I had n't received statements in XX/XX/XXXX or XX/XX/XXXX. I asked them to mail me the missing statements for those months as to ascertain why my minimum payment was so high since the representative could n't explain it to me. I received the packet of supposed missing bills from XX/XX/XXXX through XX/XX/XXXX in a packet. ALL statements were on legal sized papers and colorless as opposed to normal monthly statements which are letter sized and have color. I 've supplied these statements to you and they show NO late payments or past due amounts, proving my assertions. I then received my normal XX/XX/XXXX monthly statement which was asking for an {$810.00} minimum payment, also provided. I spoke to various account specialists and supervisors in the fraud department to no avail and asked for a manager. It was determined that Capital One credited my account the last 6 months interest payments during the suspension/investigation. When I released the fraud investigation, they added those 6 months interest payments to my minimum payment instead of back to my balance from which they were credited. The first manager, XXXX ( XXXX ) agreed with my position and claimed to have repaired the payment history in the system. In attempting to refinance my mortgage to pay off the accumulated debt, I found that Capital One had reported me late for XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I spoke to another manager-XXXX ( XXXX ) who agreed to fax a letter to my mortgage company attesting to the fact that I was NOT late in XX/XX/XXXX and XX/XX/XXXX. After 10 bus. days, my mortgage com. had not received it. I spoke to ANOTHER manager, XXXX ( XXXX ) on XX/XX/XXXX. He ALSO assured me that my payment history had been corrected and faxed a letter to my mortgage com. attesting to that fact ( also included ). The letter was deemed insufficient by my mortgage comp 's credit department. Still NOT resolv

Company response to consumer: Closed with explanation