Consumer complaint received 2015-11-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
Capitol One is reporting that I was late on my XXXX payment to my XXXX XXXX Credit Card Account to all three Credit Reporting Agencies. At the time this happened my account was set up on automatic payments from my debit account. I noticed my checking account had not paid my account. So I called XXXX XXXX Credit Card Services. They verified that they had not received my payment because Capital One was no longer going to service my account so I paid my account. At that time I was 5 days past the due date not 30 days late as reported by Capital One. In fact XXXX XXXX credited my account the late fee that had been added and updated my information about my checking account. I was also informed that XXXX was sending me a new card in the mail and that they would be handling my account. I did in fact receive my new card in the mail. The account number is XXXX. I contacted Capitol One on Friday XX/XX/XXXX and provided my Social Security Number to them. However they could not find my account number. I did obtain my account number XXXX today and provided it to Capitol One. Now Capitol One insists that they have no record of this account and refuses to remove or correct the falsely reported 30 day late on my Credit Report, and they insist that XXXX is making this report and to contact them. I called XXXX and they informed me that they can not make any report to the Credit Bureaus about my old Capitol One account and that it is Capitol One who is reporting this information. I also filled disputes with all three of the Credit Bureaus as well. I spoke to an agent at XXXX XXXX this morning who informed me that even if I am correct that they can not change my report even with proof. I appeal to CFPB for protection and request that our Credit Reporting Agencies be given the authority to correct our Credit Reports if the Creditor or your agency is able to provide proof the report is not accurate. I also appeal to CFPB that Capitol One be required to update my information and report my payment history as paid on time as agreed because it is true. Capitol One no longer services my XXXX XXXX Card. At that time XX/XX/XXXX Capitol One did not obtain my payment even though they were responsible for obtaining the payment from my debit account. As a result of Capitol Ones mishandling of my account caused me to be 5 days late not 30 days late. It is my belief that Capitol One intentionally did not take my payment from my debit account on time as they were required to do because of their failing relationship with XXXX XXXX at that time. It is my understanding that Capitol One has no proof that my account was not paid as they no longer serviced my account. I paid XXXX XXXX on the phone so XXXX received my payment and reported receiving my payment on time as agreed. This is all a big misunderstanding that I had nothing to do with. It was between XXXX XXXX and the banks. Please investigate this matter and make Capitol One correct this report to show I paid my account on time as agreed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation