Consumer complaint received 2019-01-03
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:
The issue I have is with Capitol One. When I pulled my credit report on XX/XX/XXXX, I noticed they removed a credit bureau reporting they made on my acct for a 30 day past due notice on my record for XX/XX/XXXX and they changed it to show as 30 days late for XX/XX/XXXX. I called Capitol One on XX/XX/XXXX and asked them why they had changed the date of this late payment reporting and the rep I spoke with seemed very confused and could not give me a clear answer of why this happened. Then, I pulled my credit report again on XX/XX/XXXX and noticed Capitol One had put back the 30 day late reporting on my credit report for XX/XX/XXXX, but Capitol One nor XXXX  ( the credit reporting agency this was reflected on ) ever sent me a notice once this negative item was reinserted back on my credit report. On XX/XX/XXXX, I called XXXX  about this matter to see why they never sent me a notice once this late payment was put back onto my credit report and the rep with XXXX  also acted like he was confused and told me he did not know if it was Capitol One or XXXX who initiated this removal and reinsertion of the late payment on my credit report. The XXXX rep also claimed he could not actually see where the late payment had been removed and then put back onto my credit report. I feel the reason everyone with Capitol One and XXXX  are acting confused is because no one wants to take responsibility to fix this issue. As a result of the XX/XX/XXXX late payment being removed from my credit report, I want it removed again and this time permanently. 

Another issue I have with Capitol One is that I wrote them two letters disputing the late payments they have reported on my credit report for the months of XXXX, XXXX, and XX/XX/XXXX and they just want to keep being stubborn and refuse to remove the negative items or show me proof that my payments were actually late for those months and I requested that they send me proof in my letters to them and they just continue sending me their same generic letter saying they will not remove the items since their records show it is reporting correctly. And their most recent letter does not even address all the months of late payments I disputed with them, but they only mentioned how they corrected the error they made when they showed my account late for XXXX. They say they must report everything accurately according to the Fair Credit Reporting Act, but yet due to all of the mistakes they have made, that is not what they are doing and I am sure they have probably done this to others as well. 

The reason I am disputing all of the late payments they reported on my credit report is that when I review my payment history on the Capitol One website, it clearly shows my payment due date is on the XXXX of each month and this is also what Capital One told me many times over the phone. And when I review my payment history, I can see where I have been late maybe 10 days or so, but some of the months they reported me as being 30 days late, do not appear to actually be 30 days late based on my payment dates compared with their established due date. For example, I made two payments in XXXX ( on XX/XX/XXXX and XX/XX/XXXX ), but they reported me as 30 days late for that month and the previous month, I made my payment on XX/XX/XXXX. When I called a representative with Capitol One on XX/XX/XXXX to have them explain this, they just tell me to file a dispute with the credit bureaus. I told them I already did that and they rejected my claim saying the late payments were accurate and since that doesn't make sense to me based on what I see, I am calling them to get an explanation. I spoke with a supervisor with Capitol One who had a very nasty attitude and kept telling me that she is not a credit specialist and that I should just file a dispute with the credit bureaus. I told her I don't expect her to be a credit specialist, but I do expect her as a supervisor with this credit card company to explain my payment history and why they may be reporting it as late. 

Then the Capitol One supervisor starts telling me how they go by the billing cycle when determining if payments are late and I told her this is the first time I was hearing this and every other time I called, I was told that my payment due date is on the XXXX of each month and that is also what is shows on their website. It just seems they want to justify themselves refusing to make this right. I will upload my supporting documentation to this complaint showing my payment history with Capitol One, my dispute letters to them and their responses. I would also like XXXX  to be investigated for their part in the way the issue was handled with the late payment for XX/XX/XXXX being removed and then placed back onto my credit report.

Company response to consumer: Closed with explanation