Consumer complaint received 2016-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back on XXXX XXXX XXXX I received a statement for my CC with Kohls department store. That day i wrote a check to pay the bill in full, included my account number on the check and mailed it in. On XXXX XXXX XXXX the payment cleared my bank account and never thought about it again because i thought every thing was fine. months past never once receiving anything in the mail about still owing kohls, but i didnt worry about it because i had paid the statement i full and had not used my card since then. Then in XXXX XXXX i received a collection letter from kohls. I called and stated that i had sent payment and i didnt owe any thing on my account. they told me to send them a fax showing the payment cleared from my account. I sent the requested info to them. the months that followed i would call and they would say they never received anything, then around XXXX XXXX XXXX they said they revived the info and was looking into it and i would be contacted via mail, nothing ever came. I call back mid XXXX and was told verbaly it has been taken care of. With that I thought this battle was over. Then in XXXX XXXX my husband and i were trying ti buy a car and almost couldnt get the loan for our car because of the damage kohls had done because of their mistake, when getting the car loas i told them it would be soon dropping off because i had just finished getting the issue resolved, they granted us the car loan but at a high interest rate, which we would never have had if Kohls had not messed up. jump forward to XXXX XXXX my husband and i started the process of building our first home and i found out that Kohls really had not resolved the problem but were stating that i still owed them money. I called them to find out why and they told me that i did owe them over {$300.00}. i was shocked never once in the last year did i ever receive anything in the mail stating it wasnt paid. I asked for the fax number again and sent in the info again showing it was paid and cleared from my bank account. a few weeks later i called back to follow up and was verbally told " we have resolved the problem and your account is {$0.00}. '' i was relived that this battle of almost 3 years was done, not so the battle continued. In XXXX XXXX as we are getting close to closing on our home found out kohls was still reporting that i owed them money so i called again and was told they have no info about my account and to call a diff number, called the number and found out that they were claiming i owed money. Again i told them that in XXXX XXXX i sent in payment and i had proof that i cleared my account they gave me a diff fax number and i sent the info about 2 weeks later on XXXX XXXX i got a letter in the mail stating that they had messed up, and they would get the late fees removed. I later called too get a letter sating what would be removed and when also a letter stating they will fix the problem they have created with credit. I got the letter stating was was removed but they refuse to give me any info about it being reported to the credit bureau to finish fixing this problem they created. Because they have not done this we have not been able to finish closing on our house. On my last call to Kohls i was hung up on when i stated to explain what i need then when i called back i req to talk to a supervisor and wasnt allowed to talk to XXXX because they said they have no more info they can give me other than what was on the last fax.

Company response to consumer: Closed with explanation