Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
For starters CFPB STOP MARKING MY COMPLAINT AS A DUPLCATE! This is an ongoing issue of FCRA violations. I filed a dispute for two accounts ending in XXXX and XXXX which were not investigated and disputed properly. The creditor received payment in excess of the agreed upon amount every month they reported me as progressively late. XXXX being the latest FCRA violation hen I paid them {$100.00} which more than brought my account current and was 4x the agreed upon amount upon payment amount and they still continued reporting me as late. These are blatant violations of the FCRA and I want accountability for the breaking of federal acts of law. The incorrect reporting also makes the other reporting incorrect. Incorrect interest amounts charged, balance historys are incorrect, if they are saying that they didnt receive payment then these payments are not being applied to my balances making all of their reporting inaccurately since I entered the hardship program, was discriminated against, investigations were not conducted properly or the youre gave the correct reporting. Changing my reporting to the correct reporting after three months of false reporting is not going to resolve this issue. I am tired of credit card companies being allowed to report whatever they want with no repercussions when their actions cause me to have unwanted and unnecessary stress and XXXX  which is a XXXX of mine and the constant struggle to get capital one to follow the law and report correctly takes time out of my day to monitor my credit reports and time to file disputes, which are damages from your companies inaccurate reporting and an accurate investigation and the dispute process was not conducted properly or you would have been reporting correctly. Both of my accounts need to be corrected back to no payments missed ever for this to be resolved. Which is the correct reporting for both of my accounts. I filed a discrimination complaint for not being offered the same hardship programs as other customers of different race, age, and disability status and was not offered the same 12 month program offered to other customers. I am a member of several protected classes. Capitalone would not allow me entrance into their 12 month hardship program that they offer to other customers, they wanted me to close my accounts, and would only offer me hardship programs that either closed my account or made my minimum payment 3x greater than the minimum payment allowed to be charged by law. They wouldnt grant entrance to a reduced interest rate program for 12 months that kept my card open but would grant me entrance into a 60 month hardship program that closes my account. Capitalone wouldnt give me access to a 11 year program but was willing to allow me into a 5 year program because it closes my card. I filed a discrimination complaint with capital one and they said no discrimination occurred, Capitalone conducting an internal discrimination investigation on their own behalf is a conflict of interest and of course they found that no discrimination occurred. Why was I not allowed entrance into the 12 month hardship program? Why was I allowed to enter a 5 year program but not the 12 month program offered to other customers? I asked for months being instructed to call back daily to ask the same questions when capital one knew they were not going to grant me entrance into the program I requested that is offered to other Capitalone customers, but apparently just not me. I asked for the 12 month program that would allow me to keep my cards open but Capitalone wanted accounts closed and took advantage of my financial hardships to get the outcome desired. Now remember why I closed my Capitalone card years ago. I wish I never would have done business with this company. Its not right that these credit card companies get to report whatever they want damaging Americans credit and effecting their lives in a negative manner with no accountability, and no repercussions, unless you have the money to hire an attorney to get accountability. The newest violation by CapitalOne took place in XXXX when Capitalone was paid {$100.00} on both accounts ending in XXXX, and XXXX and I was reported as 90 days past due and 60 days past due in XX/XX/year>, when they received {$30.00} and in XX/XX/year> they also received {$30.00} when the agreed upon payment amounts were {$28.00} & {$29.00} a month. I have never not made at least my minimum payment every month since this account was opened, and all payments have been made as agreed upon.

Company response to consumer: Closed with explanation