Consumer complaint received 2016-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I first discovered this problem during the time that XXXX XXXX was changing their agreement with Credit Card Issuers. At that time in XXXX/XXXX/XXXX Capital One Bank did not send in my payment on time as agreed to XXXX XXXX even though they had my correct Checking Account information. Capital One intentionally and with great harm to myself and my Credit Score refused to remove the 30 day late and instead tried to find fault with me. The fact is that Capital One is mad because XXXX XXXX was ending their relationship with them so they did not send my payment in on time. When I asked them to correct this issue they instead refused even after I Disputed this false reporting to all three Credit Reporting Agencies. At I was contacted by XXXX XXXX regarding the missed payment and was at that time informed of the changes regarding their Credit Card Agreement was ending with Capital One and they were switching it to XXXX XXXX. I immediately paid XXXX XXXX myself since Capital One failed to pay them as agreed out of my same checking account. I then made arrangements with the new Credit Card XXXX XXXX XXXX insure that future payments were made on time as agreed to XXXX XXXX. I then contacted all three Credit Bureaus and properly filled a Dispute.regarding Capital One intentional missed payment. All three Credit Reporting Agencies informed me that they will not and can not change my Credit Report and that they must report what Capital One Bank is reporting to them. They ignored my statement regarding this issue and ignored letters I received from XXXX XXXX stating I made the payment directly to them and that they had ended their relationship with Capital One Bank and were in fact in transition during the time this issue occurred. Capital One Bank continues to harm me as I am not able to improve my Credit score. I have been denied Credit as well. The false report to the Credit Brueas Is intentional as I no longer have any type of relationship with Capital One Credit. After many calls and letter Capital One Credit refuses to correct his false reporting even though they caused this problem intentionally and with Great Harm to me and my Credit. Please investigate this very important problem and make Capital One correct this to reflect that I paid on time as agreed and stop them from continuing to harm me.and my Credit Report. Please make the Credit Reporting Agencies correct my report so that I will stop being denied credit and show that the payment were made to XXXX XXXX even thought Capital One refuses to correct their own false Repo This is what is being reported on my Credit Report : CAP1/XXXX Payment Status : Unknown Balance : {$0.00} Account # : XXXX Date Open : XXXX/XXXX/XXXX Last Updated : XXXX/XXXX/XXXX Account Status : Closed Terms : Revolving Phone # : - Address : - Ownership : Individual Original Creditor : - Company Sold-to : XXXX Credit Limit : {$1500.00} Monthly Payment : - Past Due Amount : - High Balance : {$1000.00} Balloon Payment : - Comments : N/A As you can see the Credit report does not show any late payments however in further investigation I discovered that Capital One is Reporting that I was late on XXXX/XXXX/XXXX. My Credit report also shows that on that same time period XXXX/XXXX/XXXX my XXXX XXXX Credit Card with XXXX XXXX is correctly reporting that I made my payment on time as agreed, It is important to consider that at that time XXXX XXXX ended their relationship with Capital One and as reported on my Credit Report XXXX XXXX obtained my Credit Card Agreement from Capital One. Capital One is and continues to make false reports on my account with XXXX XXXX during the time they were responsible to pay my payment was make on time, they failed to do so Instead state that I am at fault. XXXX XXXX did prepared a letter I provided to all XXXX Credit Reporting Agencies however they too refuse to change my report to good standing removing the 30 day late.

Company response to consumer: Closed with explanation