Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX although the credit card was paid in full ( XXXX  from Capital One ) I have noticed a fluctuation of my credit score around XX/XX/XXXX XXXX XXXX and consequently during the following 3 months about the same days as stated. Investigating the issues and calling several times ( about 60 times ) Capital One credit card, the representatives were unable to identify any issues and also, running out of answers most of them have brutally interrupted the conversation ( s ). Calling few times the Credit Bureaus, all of the 3 pointed to Capital one credit cards. Calling several times Capital One credit cards, the scene repeated with rudeness of the phone, inability to identify issues and applied elusive maneuvers such as endless transfers that concluded in no action. On XX/XX/XXXX again the credit score decreased without any explanation. On XX/XX/XXXX, tired of the situation I have called again Capital one credit cards with the same previous negative outcome and endless transfers until a supervisor pointed out that a ghost card account ending in XXXX form XXXX  capital one was creating issues and continuing reporting in the same time frame. The card ending in XXXX was closed approximately 2 years ago and replaced with a Capital One Quicksilver of which I can " t remember the number and on which all the remaining balance was transferred. Tired of the XXXX credit card issued by Capital One, I decided to close it, transfer the remaining balance to a new XXXX  credit card issued by Capital One. Calling again Capital One credit card and asking for an account specialist, a female answered and after investigation he transferred me to another dept. It ended with a robocall machine. Calling again, a male representative answered and after investigation he told me that h I needed to be transferred. Asking the dept. he denied to disclose which it was because of " security ''. He transferred and the same XXXX  machine answered ending the conversation. Calling one more time, a female representative responded and after investigation she concluded that the card ending in XXXX was still active and needed to talk to the XXXX XXXX. ( the secret one ) and provided an phone number. For all the representatives, supervisors and Managers, she was the only one to give a complete response. I believe that in these years, Capital One committed the crime of voluntary cover ups and misleading in businesses and reporting or gross negligence and incompetence in business management with voluntary deterrence of the issues and non willingness to resolve a basic issue that is negatively impacting my credit score with all the consequences. I urge your dept. to conduct a deep investigation of the case. The Bureau and XXXX Police Dept. will be notify during the week of XX/XX/XXXX XXXX also urge all the Capital One consumers to check their credit cards bills thoroughly since I have detected several mistakes including this issue.

Company response to consumer: Closed with explanation