Consumer complaint received 2018-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Capital One reported a payment being late more than 30 days, to all 3 major credit bureaus, plus another bureau, not well known. I called a few times, they kept giving me the runaround, they were not able to provide me with the amount " being late '' over 30 days, when due date was and when I made the late payment ( late over 30 days ). They opened an investigation, after which they sent a letter stating that they maintained their initial opinion. My account is on automatic payment. I had a few returned large payments ( I entered the wrong bank account ) but nevertheless I made smaller payments which did go through and covered the minimum payment. My credit dropped 80 points. I am a real estate investor and I can not get a mortgage now. I am also a XXXX and should I decide to buy a dental practice to have a few people working for me, I will not be able to get a loan. One of their supervisors named XXXX was more reasonable, but he did not call me back as promised. They refuse to tell me which payment was " late '' and last time I called they said their decision was final. The only reason they gave me was a bounced payment. They said the payment bounced, so I was late, but that is incorrect, because just one of the 2 payments was returned by the bank When I said : If my minimum payment is XXXX for example, and I pay XXXX ( rejected by my bank ) but I also pay XXXX which is honored, before the due date, that means that I DID make the minimum payment. Was like talking to the walls. They are acting in bad faith and do not want to accept they were wrong. XXXX said that even though the statement ending XX/XX/XXXX shows XXXX minimum due XX/XX/XXXX, I was supposed to make a payment, because of XX/XX/XXXX Returned Online ACH Payment {$7900.00}. I told the supervisor ( XXXX ) : OK, according your own ruler minimum payment would be 1 % of {$7900.00}, which is XXXX dollars. I paid XXXX dollars on XX/XX/XXXX, that is 2 days late, not over 30 days!!. He said yes, but there were interest charges, that was false because that balance was subject to zero percent APR during that billing cycle ( I used a promotion, see screenshot ). He said he will ask a few people and call back, he never did call me back. Please look at the statements. The payments marked with red! did not go through, but nevertheless ALL the other payments met or exceeded the minimum payment requirement. I was never late over 30 days, I am on auto-pay also. The statement ending XX/XX/XXXX showed XXXX minimum due XX/XX/XXXX, they did not use autopay to get what was due from my XXXX account, did not call or send a letter saying that I do have to pay more than XXXX  due to the bounced payment of {$7900.00}. I paid XXXX XX/XX/XXXX, which is 2 days after XX/XX/XXXX, 2 days is NOT over 30 days late, even if a payment was due. I included the statement, payment history and screenshots in a single zip file, capitaloneruinedmycredit.zip, please unzip. Since you are forwarding this to Capital One, I want them to know that I am losing a lot of sleep over this, it really bugs me, and I hired an attorney to look into this matter

Company response to consumer: Closed with non-monetary relief