Consumer complaint received 2021-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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: Problem with personal statement of dispute

Complaint:
The prior questions did not really apply to my situation, so here it is. This is about capital one credit cards. I have had several accounts over many years with this company, I have always paid my bills and never really had a problem with them, but since the pandemic started every time I would call in the rules would change from person to person. They were no longer on the side on the consumer but on their side. This last time I called about my Walmart card, asked why it wasnt working, I had paid it in full via a capital one checking account. I was speaking with a woman XXXX I believe, she was nasty when she got on the phone, I had. A friend in my car with me the call was on speaker, he heard everything, it was like I was bothering her, she would not simply answer the questions she went around it and around it. I asked for another supervisor she told me at first there was no one else and that she was the only available one. I got into an argument with her about how everyone has someone over them unless you own the company. She got another, so I did also. I asked over and over to talk to someone else to deescalate the situation, she continued to be a XXXX. So she finally said she would transfer me or was hanging up on me I cant remember, I was so mad by now, I said fine and turned to my friend and she she is a XXXX. Now that operator was listening on the line and heard me say that about her, I know not flattering on my part but I was so XXXX off and she was continuing to make it worse. So it just came out. She screamed at me oh now youre going to lose you card, I hung up on her and called right back and got someone different, she was calm and answered my questions, I told her what had happened and that was not said to that person I had though she hung up and was saying it to my friend. XXXX 10 days later capital one closed all of my accounts down and took me off my husbands cards. Like I said I always had paid the bills on time, I was late few years ago but I paid it. I did nothing wrong to have them treat me like that. I did not say it to that operator, I said it to my friend. I was never contacted by capital one to hear my side of the story, they just closed all of my accounts down. Now they have affected my credit score in a major way, I had 5 accounts and it was just reported that they were closed by the merchant which is hitting my credit like a brick. I have freedom of speech I can say anything I want ugly or not, my choice, I should not be punished for saying that to my friend about her. I actually was saying it behind her back. I worked very hard on my credit with that company and believe that if it isnt illegal for them to do this that itI should be. I want them to report my credit differently so it doesnt affect my score. This company has ruined all the years I have worked on my credit, if I can sue I will.

Company response to consumer: Closed with explanation