Consumer complaint received 2017-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am writing this letter and this complaint because of the response I got from Capital one and I truly want to find out if they are any justice for the little people like myself in this country that I fought for, injured for and now XXXX XXXX XXXX XXXX for, I want to know if our voices can not be heard I want to know where is the justice from this shark company that just keep on abusing us. When we make a mistake it is soon to be remembered and discussed but when they make the mistakes they do n't want to admit to it. Now, I spoke with this lady XXXX XXXX and her tone and approach with me on the phone is nothing but blaming me for closing those two accounts I had with them and blaming me as well for my wallet being stolen out of the country, and i ask her over and over, " mam is they 're a way for capital one to please remove that late payment from my credit file because if you look at my payment pattern and history, I 've never paid late on either account, so that right there mam will prove to you that something truly happened with your customer service department '' she responded that " NO '' you are late and that we are reporting properly to all bureaus ''. I have been with Capital one for more than 5 years and I have two credit card with them. in XX/XX/XXXX I called them to let them know about my wallet that has been stolen, the agent on the phone told me ok and we will close this account and assign you a new one and we will send out the new cards in 10 business days and you do n't need to make any payments now because your case is under investigation and we will be working on getting you back any funds that were fraudulent back to your account. Now, mind you I got back to the country on XX/XX/XXXX, and I called capital one because I never received the two new cards and I was told that my account was closed because I did so. So when I ask them to let me know when I closed those account no one can tell me anything and they told me that they have to do another investigation and I spoke with more than 3 supervisors and they each told me the same thing that someone will get back with me on XX/XX/XXXX which they never did not until I filed the complaint with CFPB, that XXXX XXXX called me and then she was being nice on the phone and telling me that she would do all her due diligence to get me a result. I 've never been late on this account I always pay my card at least a week or two earlier than the due date. Capital one is definitely out to hurt me or is it their objective to see more homeless  XXXX veteran on the street. please help I know that they are a big company with big pockets but it is not fair for them to treat good people like that it is wrong and degrading and insulting and they should not be able to serve our fellow soldiers. I am a XXXX XXXX XXXX XXXX XXXX XXXX veteran that is trying to purchase my first home and when I got everything approved and boom issues with capital which no fault of my on. they need to remove my late payments from the credit bureau, shame on you Capital one and most of all for them to have a worker like XXXX XXXX. CFPB, please help this wounded warrior if they go back and review my account they will see that I never paid my accounts late never always early. please help I am in dire need I have a closing in XX/XX/XXXX and I might loose my future home for me and my family. thank you for a desperately wounded warrior. I truly need help and if I had the funds to hire an attorney I would of sue them and I will win because I have the proof. And mind you they only can find two phone calls but no the ones with me and several supervisors. I at least called this company for more than 20 times. Also if I have two accounts why is there only one reporting late not both??? I am attaching my documents as proof of my travels and please publish this complaint so other military and veterans do n't get stuck with this shameful and horrible company and I will also post this on other social medias. I will not rest until I get justice so please CFPB you are here to protect us, please do so and ask for an explanation. thank you

Company response to consumer: Closed with explanation