Consumer complaint received 2019-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I had received an alert that 60 points had been dropped on my credit report. I go on a third party app and seen that XXXX and XXXX  had information on how this had happened. Capital One had made a person mark or statement on my reports with out notifying me so I took action. I contacted them and with out cooling my temper I exploded about this mark and statement ending the call without their notice. Monday XX/XX/XXXX I thought I was only having log in issues with my Capital account making contact with them to resolve this issue, 3 call in to them I was then advised that my accout was charged off and not reversable. I strongly requested why? Capital One was very unprofessional and refused to diclose information to this event. Capital at minimal blames the events on the 3 major cradit monitoring agencies none to specific. I made contact with XXXX, XXXX, and XXXX who all 3 said that they no notes of the alleged accusation. I did however take care of some inquiries with the credit agencies that had been neglected in the past several of them. this is where it gets interesting. XXXX first while conversing with XXXX about the Capital One incident I addressed these inquiries unrelated to my Capital One. The agent had focused on my primary conversationof the Capital One incident placing one of their inquiries in the transaction. this domino effect had them then reach back out to XXXX about the inquiry that was not mentioned as part of the request. I learned this more recently. I made contact with a member of management XXXX who was helpful to then make as much sense to these events specifying that the reason my account was charged off so I listened taking notes. XXXX says that it was because of a fraud alert that had been place regarding myself opening the account up as a fraud, she stated that an investigation had taken place and I have never been notified in my email account which is active and receives their email often. Calmly letter her advise me to her best knowledge I took notes. She plainly again blames the credit agencies and its starting to look as if she is telling me the truth. Here XX/XX/XXXX I make light of this to the best of my proof and knowledge. I called on the XXXX of XXXX I was rude and angry I felt I had the right to be, I got a rep out side of the US that maybe had a bad day, the Rep done what he felt he could do with out consiquence. The chain of events semi support Capital Ones allegations however the fraud alert they claim is the root of the matter it came after the account had been charged off and canceled in only hours or minutes oddly and capital has tried to use this error in their favor. Keep in mind on the 1st Capital One was in good standing with all # cradit agencies supporting my side of this event. Capital One did not officially charge my account off to the credit agencies until XXXX XXXX. If the alleged termination happened as Capital stated XXXX and the others would have had the notation and the account would have been closed on that date supporting that they had told Capital One anything about the fraud that only ever took place because of me making contact over this whole event It sounds more complicating that it really is. I have request file disclosure from XXXX, XXXX, XXXX also removing the fraud alert due to the mistake that XXXX specifically made. Capital One and XXXX have made a Nightmare out my life.foreign call support centers for both companies handling situations with out fear of punishment. GDPR Rights can not take place fast enough collecting data our personal data Our lively hoods Socials and much more and clearly doing as they feel fit. Consumers can not prove and only trust that the calls are being handled correctly. Is this just a misunderstanding because of our languages, fowl play, or accident fumble fingers? I know its a violation of my Constitutional Trust Rights..

Company response to consumer: Closed with explanation