Consumer complaint received 2018-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am attempting to correct cascading errors on my credit report affecting multiple accounts and CONTINUING to negatively affect my score as a direct result. Here 's what is happening : My Granddad died XX/XX/XXXX. I moved shortly after that, but we had issues with USPS. The change of address did not correctly file, and/or the prior year 's forwarding expired ... I attempted to correct but there is no record of my attempts ( probably why they failed ) until my wife renewed efforts with case # XXXX when even her mail became affected. During this time I was not receiving ANY bills, reimbursement checks from my company, or replacement debit cards. XXXX XXXX  swept through my state in XX/XX/XXXX causing widespread disaster and further hardship. I missed 1 payment at various months across a variety of creditors. My debit card expired in XX/XX/XXXX and payment to my auto loan was reversed. Poor customer service led to believing I was current, and then falling behind 1 additional payment as a result well before the account could be corrected. I have contacted all creditors explaining this situation. Several have credited back late fees and adjusted payment history to accurately reflect my usual status as a good customer. However, a few have not : XXXX themselves, XXXX, CaptialOne, XXXX. XXXX may or may not be included depending on which credit reporting bureau you look at. These are creditors who have usually refunded late fees, acknowledged the hardships experienced, but are refusing to correct the credit reporting aspect of the hardships experienced : and this is what I am trying to correct in order to purchase my Grandad 's home! As a direct result of payment history and reported delinquencies, all my efforts to correct the problem are being reversed by automated credit limit reviews. XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX ... Some are accounts which have granted refunds and adjustments which are then changing my account limit based on those events of XX/XX/XXXX-XX/XX/XXXX/XX/XX/XXXX which they KNOW is incorrect information. My score is continuing to be decreased, and I have not been able to get any creditor to reverse the limit decreases thus far, for some reason. They blame the reporting agencies, the reporting bureaus claim they only report information from the creditors ... no one claims responsibility and no one is able to make changes. The reasons supplied for these changes include " serious delinquency '' ( I have had the same collection account for 2 years now, it was not a new change, so only XXXX 's 60day could be considered serious ), " number of accounts with delinquency '' ( which also indicates the new information of several single missed payments I'm attempting to correct/HAVE corrected across various creditors ), " time since delinquency is too recent/unknown '' ( again- the new information ). I am paying off creditcards ( XXXX and XXXX, among others ) and making ZERO headway. I have now paid the collection account with XXXX in an additional effort to remove the so-called delinquency because XXXX is unresponsive. All I am asking is to have consideration for a multitude of compounded hardships beyond my control to be relieved- because I have been unable to enact changes on my own fast enough to halt this avalanche of credit destruction.

Company response to consumer: Closed with non-monetary relief