Consumer complaint received 2019-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The below letter was sent to all three credit reporting companies. Two of them have acknowledged that Kohl 's was incorrect in their actions taken. The third one hasn't replied to me yet.

To Whom It May Concern.

I recently filed a dispute with your organization concerning an adverse report that Kohls Department Store put on my credit. Let me start by saying I take my credit very seriously. Prior to this bogus report my credit score has been in the high 800s for years. Then along came Kohls. 
Here is what actually happened in spite of what Kohls may tell you. My wife and I both had accounts with Kohls. Unfortunately, Kohls mixed up our cards on one billing cycle ( in XXXX/XXXX  ). When they did this they decided that my card was over-due. Upon getting that notice, I called them and talked to their call center. The person I talked with informed me that I owed them {$580.00} and that if I paid that amount, everything would be okay. They also said to ignore a future bill if their system generated a bill. I promptly paid the {$580.00} and went on with my life. 
I did receive another bill which I ignored per my previous instructions. After receiving yet another bill, I called them again. This time they told me everything was handled go on with my life. So I did. 
After that I received several automated phone calls with recordings. I called them back, but as a Kohls employee would later tell me, their system did not integrate my information with a life person, so I just got generic recorded messages which I had been told to ignore. 
Finally, a human called me and explained that my account ( not my wifes as Id been previously told ) was overdue. So, I paid it while talking to this person. This, of course, was three days after Kohls had already put an adverse report on my credit. ( The person I talked to never mentioned this fact not surprising when you figure how difficult this company is to deal with. ) After I learned of the adverse credit report I called Kohls head offices and talked to a XXXX XXXX, who was very polite and professional. However, she stated that she had listened to all of the tapes of my conversations ( I had 4-6 calls ) and that I was just wrong. She would not acknowledge that Kohls had made a mistake and said essentially that they never make mistakes. In short I just have to live with this adverse report because they are a big corporation and Im just a little guy ( and now a former customer ). 
Additionally, I am surprised that they would put an adverse report on my credit score when I am in the process of talking with them. As I said, I called them numerous times, actually spoke to humans 3-4 times concerning this erroneous charge.

Needless to say, for an older man, this is all very stressful. 
Kohls actions are patently unfair. I know what their call center employees told me and I know that they were recorded. If someone actually took the time to listen to the calls, then they would realize their error. 
My bottom line is that I am politely asking you to remove the adverse report from my credit reports. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation