Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear Consumer Financial Protection Bureau, I am writing to seek your guidance and assistance regarding an issue I am facing with XXXX XXXX XXXX ( XXXX XXXX  The XXXX XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Capital One, which I believe infringes upon my rights under the Fair Credit Reporting Act ( FCRA ) and potentially under the Americans with Disabilities Act ( ADA ). My name is XXXX XXXX, and I am a XXXX XXXX XXXX veteran,  with XXXX that significantly XXXX XXXX XXXX XXXX XXXX XXXX XXXX, affecting my ability to manage financial obligations in a timely manner. 

The crux of my issue lies in negative entries on my credit report, attributed to late payments and other related financial mismanagement with my XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Capital One account ( s ) or others. It's imperative to understand that these were not a result of financial negligence but directly stemmed from the debilitating effects of my service-connected XXXX. 

Given the profound impact my XXXX have on my daily life and financial management capabilities, I had reached out to Capital One along with other creditors, requesting the removal of these negative entries or resolution considering my unique circumstances. Despite my efforts and explaining the situation, my request has not been met with the consideration I hoped for. This has led to denials of credit, further exacerbating my financial and emotional distress. 

I am reaching out to the Consumer Financial Protection Bureau as my advocate, to seek your intervention in this matter. I believe the denial of my request by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Capital One and the consequent negative impact on my credit report constitutes indirect discrimination based on my XXXX, thereby violating the spirit of the ADA and the FCRA, which are meant to protect consumers and ensure fair and accurate credit reporting.

Given my status and the challenges that come with it, I wish to bring to your attention the negative entries on my credit report that are a direct consequence of the XXXX I live with. These entries, I believe, are not reflective of my willingness to meet my financial obligations but rather the result of the debilitating impact of my condition on my daily functions, including financial management. 

The Americans with Disabilities Act ( ADA ) outlines the necessity for fair treatment and accommodations for individuals living with XXXX, and the Fair Credit Reporting Act ( FCRA ) mandates the accurate and fair representation of an individual 's credit information. The negative reports stemming from my account ( s ) with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Capital One, which have subsequently led to denials of credit, can be viewed as indirect discrimination arising from my inability to perform to standard financial norms due to my XXXX. 

I am a single father of XXXX XXXX  children and I want to provide a good life for them and not leave them in a bad situation because of my XXXX. 

I respectfully request the CFPB 's assistance in addressing this issue with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Capital One. My hope is for a resolution that acknowledges the unique challenges faced by individuals with XXXX, especially veterans, in maintaining their financial health and reflects a fair and accurate credit reporting process. 

Thank you for your attention to this matter and for the support you provide to consumers facing financial challenges. I look forward to your guidance and any possible remedies you can offer. 

Sincerely, XXXX XXXX