Consumer complaint received 2022-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I had originally applied for a Capital One card, which I never received the first two cards that was doing the height of the Covid situation everywhere, as well like I spoke to your operator on on the phone. I recently moved XXXX years ago. So I immediately contact them to inform them I never received any card why were talking about like XXXX roundabout in XXXX at the hole in the car for about a whole year decided to use it just to get my credit score moving {$160.00} which I put back two days later just to get the credit score moving set in my bank account for almost a month. Direct Payments was made with my XXXX XXXX XXXX XXXX all three times. Now the biggest problem would be at the my XXXX bank set up arrangements while I was on the phone to give my prior authorization to both parties involved with the arrangements the final time. But the problem didnt bloom or create a issue problem till the account which was closed out XX/XX/XXXX XXXX to 4 months later Capital One start sending me notices online about late payments on a close out account which was told to me by them at that time that I was XXXX balance in old nothing in good standing as well as my XXXX XXXX XXXX XXXX said youre account is now closed out on both ends of the spectrum. And immediately after noticing a message on my email from Capital One, I called them with concerns on what is this the account is already closed and paid up why being hung up numerous the time by supervision management one persons name was XXXX the other one was XXXX one of them had enough and density to say to me dont you pay your bills I said what are you talking about? Had my bank on the phone a couple of times with other witnesses I have all documents from my bank showing that everything is paid at that time. But even though at the realizing a mistake was made in their computer data, since they were spelling, my name, incorrect on the closeout account I had to go personally down to my bank to pick up all documentation, showing everything was paid in full. Now Im not only but had to get the business, XXXX XXXX, involved, governor state representative, and the comptroller in the White House and other people and hard a lawyer at XXXX XXXX XXXX due to now they called collusion fraudulent activity wrongfully messing up my credit score hitting every month since after XXXX XXXX months later again about late payments say they made no payments which is incorrect. So keep in mind once again, I must call capital one thousand or more times before this nightmare which led to health problems I have to have two surgeries with a XXXX XXXX and a law and groaning in hernia due to stress. Also at the upmost my credit score moving once again there was originally nothing wrong with my credit just had to have it, showing it was being used no more or less than that before then I had a XXXX credit score. And with that being said while I wait for everything to be cleared and correct it which XXXX going to be and I already started a lawsuit with Capital One Im going to call the CEO XXXX XXXX and leave him a email fax as well thanks in advance. As I continue waiting for everything to be cleared and repaired, as soon as possible due to all the collusion and fraudulent activity caused by them damaging my credit on a closeout account my credit score which has been damaged due to system human errors. And so much ridiculous unprofessionally mishandling by them my account which has become disarrayed that couldve been corrected from the very beginning at the notifying them, but again, thanks in advance, while I wait for this nightmare to be fixed immediately.

Company response to consumer: Closed with explanation