XX/XX/2019 To whom it may concern, I would like to file a complaint regarding Capital One. I called Capital One this XX/XX/2019 to have my ex-wife removed from an account she is a co-applicant. Back in XXXX I was exploring debt relief options and this was my reason for requesting her name be removed. Note she never used this account. I was told no problem by Capital One and they would remove her name. I also, asked my account be closed. Unfortunately, I failed to get documentation from Capital One she was removed from the account. Please NOTE I would never had closed this account without her name not being removed. I know enough that once an account is closed you definitely can not request a name to be removed. 

My ex-wife messaged me the week of XX/XX/XXXX that her credit report showed late payment from Capital One. I was totally surprised and caught off guard because I thought her name had been removed. I began process of filing for XXXX XXXX Bankruptcy in early XXXX. I called Capital One twice and explained the situation. I was told whoever I spoke with back in XXXX mis-spoke. Again my fault for not having requested this documentation. 

I explained to Capital One I could email our Consent Order from our divorce spelling out I was solely responsible for this account. I pointed out that her credit was being affected it should not be. This fell on deaf ears as Capital One did not even want to see this Consent Order. I had been a loyal paying customer for over 15 years to Capital One. I am certain they made plenty of money off interest charges. Its just upsetting I was led to believe the ex-wifes name was removed only to find out I was lied to. How I wish we could play back our conversation as I know they record every call. 

I am hopeful someone from Capital One has compassion and a kind heart to recognize our situation and to correct this situation. I dont agree with my ex-wife on just about everything however, her credit should not take a hit given I was told Capital One would remove her name off the account. 

Sincerely,