Consumer complaint received 2023-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Account # : XXXX XXXX XX/XX/XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Certified Return Receipt # XXXX Re : Late Payments Dear Capital One, I have been a loyal and proud consumer of Capital One products and services for over 20 years. With that being said, I received a copy of my credit report and I have found the following items listed below to be in error. Pursuant to ( 15 USC 1666 ( B ) ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( B ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Pursuant to ( 15 USC 1602 ( L ) ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
With regards to ( 15 USC 1602 ( L ) ) there is no such thing as a late payment because the account was paid in full the moment my credit card ( My SSN card ) was accepted. 

I NEVER DELIVERED, Capital One or XXXX any written instruction to furnish any information on my consumer report which is a violation of ( 15 USC 1681 ( B ) ). Capital One and XXXX has caused severe stress, XXXX  & financial hardship due to the abusive and unfair practices. 

The good thing about being a loyal Capital One consumer of the products and services offered is that in the past when I had issues in relation to my accounts, Capital One has gone above and beyond with excellence customer service to provide me with resolutions that were favorable. I feel comfortable saying I know this situation will be no different! 

These accounts are listed with late or missed payments and that is incorrect. The following account were NEVER late and should be listed as PAID or PAID AS AGREED : Personal : XXXX I was never late on ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) on this account please update the account as Paid/Current. 

By the provisions of the Fair Credit Reporting Act, I request that these items be investigated and removed from my report, and I request that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that XXXX will recheck these items with the Capital One who has posted them. 
Please remove any information that the creditor can not verify. I understand that under ( 15 USC 1681 ( I ) ( A ) ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards, XXXX XXXX : XXXX XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation