Consumer complaint received 2016-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Other

Complaint:
Approximately twelve years ago my mother added me as an authorized user on her Kohl 's credit card account so I could start building a positive credit history. I remained on her account for approximately two years. During that time I actively and responsibly used my Kohl 's credit card ( I never missed a payment or accrued interest during that time due to paying the amounts owed in full each month ). XX/XX/XXXX my mother called the Kohl 's credit card department with the intention of simply verifying that I was no longer associated with her account, as I stopped being an authorized user approximately ten years ago. There was a miscommunication between my mother and the customer service staff person that resulted in the staff person thinking I was never an authorized user on the account and taking action to make sure a letter would be sent to clear any and all credit history I had through Kohl 's. That letter was sent to the XXXX credit reporting agencies and my complete credit history through Kohl 's was deleted. This action was not what my mother intended and the letter that was sent was done so based on inaccurate information, as I did indeed have a credit card through Kohl 's. Prior to the letter being sent, the information on my credit report was accurate. After the letter was sent, however, my credit report changed drastically in a negative way and it no longer reflects accurate information. Specifically as a result of the letter, the Kohl 's credit card is no longer listed as one of my closed accounts and does not appear anywhere on the report. Additionally, my first line of credit has decreased from beginning 12 years ago to 9 years ago ( the Kohl 's credit card was my first line of credit ). And finally, my credit score decreased XXXX points as a result. A supervisor in the Kohl 's credit card department agreed to work on providing me with all the information pertaining to my time as an authorized user on the account and contacting the XXXX credit reporting agencies to inform them that the letter was mistakenly mailed to them and my information needs to be returned to the previous ( correct ) status. I received a voicemail several days ago from the supervisor stating that a letter was mailed to my mother 's house with the dates I was an authorized user on the account and that he was still working on having that information provided to the XXXX credit reporting agencies. I was very pleased with this information because I assumed the correct account information was located and that my credit report information would be corrected. I then received the letter and immediately saw that the dates on the letter are inaccurate. The letter states that I was added as an authorized user on my mother 's account on XXXX XXXX, XXXX and then removed on XXXX XXXX, XXXX. Due to this information not being correct, I do not want it to be provided to the XXXX credit reporting agencies. I am looking for Kohl 's to contact the XXXX credit reporting agencies to explain that they mistakenly mailed the letter requesting my Kohl 's tradeline be removed and to explain that the information prior to the letter being sent was accurate so that my credit report can return to its previous ( correct ) status. At the very least, I do not want Kohl 's to once again mail an inaccurate letter to the XXXX credit reporting agencies, as by doing this they will harm my credit report even further. Since this situation is causing me such extreme distress, I would like to express my concern regarding Kohl 's practices, which go beyond negligence ; first, a staff person mailed an inaccurate, detrimental letter to the XXXX credit reporting agencies without my knowledge and without checking records to verify whether the information was correct and now they are providing false information about the time during which I was an authorized user.

Company response to consumer: Closed with explanation