Consumer complaint received 2022-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Hello, To whom this XXXX concern On XX/XX/XXXX. I hav been trying to do the right thing with Capital One. They have all over my issues and disputes on thier record. I was behind but at the time I was pregnant and I asked to get help from the credit department. I was told if I were to pay my balance it was paid in full. I sent out the payment and Capital One cashed the payment on XXXX XXXX. Meanwhile Capital One was harassing and calling about a FULL payment! But they took the payment on XXXX, XXXX! Capital One never stopped a rolling bill. Which is not fair, because it was on a recording, stating to do as I was told. The next day XX/XX/XXXX they told me my account was sent it to collections anyway when the bill was paid. Stating that I owed XXXX more dollars. But I spoke to there representatives for 4 straight months straight. EVERYDAY! From XXXX am- XXXX pm, XXXX XX/XX/XXXX! They also committed defamation of character by calling me a liar and stating that they never stated that it would be paid off on that date listed. And I made it up! It took multiple calls just for them to look up the recordings. Or even Find my recordings! Ive called Capital One the remaining month of XX/XX/XXXX thru XXXX of XXXX, and continued to call them up til XX/XX/XXXX! This was an every day event and ver exhausting especially at the time while pregnant! Capital One still hasnt updated my credit report nor will the compensate for the days I spent on the phone calling missing work to attempt at the time to have this matter resolved. They then called around XXXX or beginning of XXXX to attempt to fix it! They also Apologized for their mistake, but still hasnt fixed the issue! Every time I call they state it would be corrected but on my credit report they would put Paid but charged off however it should have never made it to charge off and their representatives have also stated that multiple times on the recorded line that it was paid and they shouldve stopped collecting on an account completed. I have called to ask Capital One to delete the account off my record multiple times and disputed with my credit report. When speaking to someone in XX/XX/XXXX they stated they dont participate with credit deletion even though its their fault! They keep sending my case to escalation who state theyve removed the charge off. However its still on my credit report! Theyve ruined my life, and theyre not willing to work with me on numerous times I asked them to do so. I have taken everything action possible to call, dispute and speak to the highest level of help and theyre still not going to help me! I wish to sue one for defamation, I like to seek pain and suffering for all the years no one wanted to help me. I also would like for this to be removed off my credit permanently once and for all because they arent trying to help me. Or allow me to improve my life for the better. Capital one states theyre there for their consumers but they are not! They are literally and have told me theres nothing they can do. In which pro I asked for them to make it right by correcting the issue. Please help me! Help me get this fixed and also make sure they dont do this to someone else! I shouldnt have to suffer this way! Right is right and this isnt the right way!

Company response to consumer: Closed with explanation