Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On my second attempt to have XXXX remove my incorrect information. I wrote : Please note that this is my second request for removal of inaccurate information. Please take more effort to validate my claim, as I have already suffered damage from your lack of due diligence. 
The item I am disputing is Kohls/Capone, account XXXX, showing a 30 days late payment for XX/XX/XXXX. First and foremost, I signed up for auto pay with Kohls in the beginning of XX/XX/XXXX, as I have autopay on all my accounts. I had already paid Kohls through my personal banking online bill pays and was current through XX/XX/XXXX, so my first Kohls auto pay should have been XX/XX/XXXX. Upon checking my Kohls account on XX/XX/XXXX ( 5 days after the due date, not 30 days ), I saw that my Kohls auto pay had not made the fore mentioned withdrawal and immediately paid the total amount owed, including the late fee. I also could not tell if the Kohls auto pay feature was still enabled, because my checking account information was blank. I since have redone the Kohls auto feature and it looks identical to the XX/XX/XXXX blank checking account information. After an ill-fated attempt on Kohls auto pay, on around XX/XX/XXXX, I deleted my Kohls auto pay registration and resubmitted it. I again had to pay online ( Confirmation # XXXX ). My XX/XX/XXXX auto payment is the first successful payment withdrawal achieved by Kohls. 
Background, after pulling my XXXX credit report on or around XX/XX/XXXX, I noticed my score had plummeted. To resolve this issue, I emailed Kohls and called Kohls at this same time period to resolve this issue. The crux of the email was that Kohls auto feature was not on, the payment was due on XX/XX/XXXX, and the email shows paid on XX/XX/XXXX. The call however went a little different. The lady on the phone said that perhaps the Kohls auto pay feature failure was due to some computer issues that Kohls had been experiencing. She asked me two to three times to say the magic words. I finally came to the conclusion that she wanted me to say, please remove my late fee and she did remove it. My concern was not the late fee, it was that my payment was showing 30 days late, when it was not, What I took from the conversation was that once my late payment was removed, then the 30 days late reported would come off my report. I also disputed with XXXX  at this time and the item was still not removed. Again, on around XX/XX/XXXX I called Kohls and spoke with XXXX, he verified what I was seeing regarding the payment on XX/XX/XXXX and acknowledged it was not 30 days late. He said that he would work with his supervisor to get this fixed and call me back. I have received no calls, correspondence or emails regarding his outcome. I again emailed Kohls on XX/XX/XXXX and reiterating my claim and was told to call Kohls to resolve as they could not assist me via email with the information provided. I was still hoping that given a little time Kohls would get to the issue and correct as I became busy with the holidays. 
On XX/XX/XXXX I attempted to trade in my car on a phenomenal offer on a XXXX truck and witnessed the awful effects of Kohls false reporting and what it did to my credit. I was not denied, but the interest rate that resulted from this false reporting made me unable to take advantage of this offer.