Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Credit Card issued in XXXX after I was discharged of all my debts officially XX/XX/XXXX therefore, XXXX XXXX Credit Card 's and every single credit card ever shown on my credit report is settled as of prior to XX/XX/XXXX when all debts were officially settled. 

After filing for XXXX  XXXX bankrupcy and being discharged of all my debts ( never owed any property, cars, or have any savings, income, trusts, expected income, illegal money etc ... .I have no savings and my only source of income is once a month on the XXXX, social security XXXX benefit {$1400.00} a month, and after rent of {$1100.00} which includes all utilties, I am left with {$300.00} to eat/buy food/meals with and any other necessity that might arise, and after buying food and paying for doctor copays XXXX a month for {$50.00}, I am left with nothing, not even a XXXX 
I only had 1 capital one credit card account opened in XXXX after filiing for bankrupcy. The limit is incorrect but from the time it was opened until XX/XX/XXXX, every month a payment was made on time. In XX/XX/XXXX, over {$1500.00} in payments from a checking account were made to my capital one credit card except the last {$500.00} payment revered 7 days after it was already cleared and my balance reflected the recent payment giving me a {$500.00} available credit remaining which I used up the entire week after I made the last payment that XX/XX/XXXX, and it was due to it being a joint checking account and one account holder withdrawing all remaining funds leaving {$30.00} after receiving that last {$500.00} reversal from capital one bank back into that chase checking account and then withdrew the rest of the money from Sister XXXX XXXX checking account with a joint account holder. I refused to pay any fees etc. once the payment was returned causing my balance to gvo over my limit by XXXX and it incurred fees and charges everyday for over 2 years I received 3 bills a month, and every capital one bank in XXXX XXXX where i paid my bill each month in person closed down with a for sale by owner in every branch location although i did not have a bank account with capital one, only 2 credit cards, 1 prior to bankrupcy and XXXX post bankrupcy. I was sued by capital one bank recently for the outstanding {$3000.00} ( rounded up ) remaining balance charged off, and this is incorrect as I went to court and spoke to the attorney law firm for capital one, he asked judge for more time postponing our date in XXXX until last day of XXXX the following year now 3 years after XX/XX/XXXX. I explained the situation to the attorney and told him I want to work out a payment plan for my credit card balance in addition to the {$500.00} reversed payment but not XXXX XXXX more, and I tried to do this since XX/XX/XXXX and spoke to 10 customer service reps, and attempted to speak to a branch rep in person and coincidence every single bank on XXXX XXXX XXXX york was permanently closed, however, they are still open in other states. I incurred XXXX $ in interest charges and fees over 2 years because their company was unable to communicate and resolve a very easy situation, as when I wrote a check and had no funds i would receive a XXXX $ XXXX funds fee and the check would clear to whomever I wrote it out to, and I paid it every time it only happened XXXX or 2 times and they got the money, I paid the fees. 
I did not have overdraft coverage with capital one credit card, therefore, 5 days after confirming the XXXX checking account used to make a XXXX dollar payment towards my {$1500.00} bill, now causing me to go over the limit and my balance was {$2000.00}. 
I received almost {$1000.00} in fees, and nonstop harassment from capital one representatives that I would never let answer or speak to a customer ever again. Therefore, my {$3000.00} almost balance is {$1500.00} credit card limit, then the {$500.00} reversal made it {$2000.00} and over 2 years it amounted to almost {$3000.00} and capital one looked bad so they made my credit limit {$2000.00} and state it went to {$2500.00} after the reversed XXXX payment and only a few XXXX in fees ... ..but DOES IT MATTER. I WANTED TO WORK OUT A PAYMENT PLAN. I asked to the judge and attorneys for capital one in court and when I called their law firm in XXXX XXXX and spoke to XXXX who assured me I did not owe anything to them and when I went to court In XXXX, I was CAPITAL ONE DISMISSED the case against me. I said I dont want bad credit, I want to pay back what I spent, not a XXXX more not XXXX dollar in interest fees or the $ XXXX in fees i incurred until they finally sued me in XXXX XXXX XXXX except they understood and told me i did not have to pay them back owed nothing and assured it would be updated in my credit report in a few weeks, its 2 years later and my credit rating is POOR, and capital one still shows CHARGED OFF and remaining balance of {$3000.00} i have the papers from XXXX XXXX COURTHOUSE and XXXX number and the attorney for capital one asked me who XXXX XXXX was XXXX XXXX told him my bankrupcy attorney I assumed he was given that name then. 
Anyway, from open over XXXX years i paid on time ever month perfect. I made XXXX $ XXXX XXXX dollars in payments in XX/XX/XXXX, the last payment should have never been reversed and I could haver been sued by the checking account holder, that is what should HAVE HAPPENED AND WHAT I NEEDED TO HAPPEN TO GET ALL MY GRAND AUNT left for me, saved, put aside her entire life so when she died I would have enough money, which is why we ate early bird specials and didnt spend much out, because she wanted to leave me a lot, not XXXX i mean to be able to open XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX just being sarcastic. Anyway XXXX  can attest to the thousands in that account and i had written and verbal contract from XXXX XXXX who was deceased as of XX/XX/XXXX, and she told me hundreds of times shes leaving me everything because I gave nothing i have less than everyone i need it and if she gives it to me now i wont have it when shes not here no more. Anyway the proof of the thousands paid in XXXX and the other account holders claims to only {$100.00} dollars about only in that account was left for me, plus the XXXX reversed payment I never got back but she withdrew along with everything remaining besides {$30.00} which i went to the teller showeed my ID withdrew it, showed her the letter from the attorneys office stating I am the sole beneficiary to her last will and trust, but then was instructed to get her certificatre of death from XXXX XXXX in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, going to slow, mymothers handling the lawsuit, i wont see a XXXX, and knowing all i know now i dont want to even see her. Get the copy from XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX and get them to DELETE ALL NEGVATIVE XX/XX/XXXX until now, and since i attempted 2 years ago to pay them back every XXXX and was told NO you dont have to NO YOU DONT, my credit report does not reflect me or my character. Now prior to XXXX I owe capital one about {$7500.00} minimum in credit card balances and they can settle that with my bankrupcy information. Now if i got ta pay them back to get my XXXX XXXX cleared, XXXX for an attorney is now the XXXX i need to pay off and its 2 years after i offered to, and 4 years after it began in XX/XX/XXXX when all i needed was manager approval to pay back my maximum credit that I did charge but no fees incurred due to the reversed payment over a week after it cleared and was reflected in my available credit. Plus all your banks closed on the island, the reps on the phone treated me with disrepect and i am XXXX and they like had to talk to me for a few minutes that day each time i called a diffferent person all they had to do, their job, was help me i was clear and fast and all they did was XXXX  me rudly but in disguise by stating those routine customer service lines like oh madam we apoligize so much for this inconvenince and we are so sorry for the loss of your XXXX aunt. With my monthly income of total XXXX a month my annual income is under {$16000.00} which is the lowest income level according to new york state and XXXX XXXX XXXXXXXX HUD housing and affordable housing and section XXXX and XXXX and XXXX services Statistics, yet SSD is social security XXXX and I had state and federal taxes taken out of every paycheck i ever had for over 10 years and I worked, really worked and really never filed my tax returns figures since i picked the 1 or 0 or which every gives you more in your tax returns but your bi monhtly paychecks will be less. I picked that one, and never filed my taxes ... I was told they were filed for me and i got nothing back and my parents HAD TO PAY FOR ME. that is true 100 % n verbatim, word for word you can quote me. 
SO fix my credit score and report it should be EXCELLENT and I want a XXXX credit card, 1, with my XXXX monthly income as only incojme as i receive no other benefits, vouchers, cards, gift cards, cabs rides, rent broker storage day care money, i get no cash assistance because i am single with no children and no husband in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation