Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Acct # : XXXX I most recently reviewed my credit report and discovered tons of inaccurate information on all three reports. I was recently declined a application to get a mortgage primarily due to your inaccuracies reporting on my credit report. 
According to your companys policy, after 180 days, you all must charge off the account and report this information to the credit bureaus. 

On XX/XX/XXXX I spoke to three representatives from Capitol One. I spoke to XXXX, XXXX and XXXX and they all confirmed thatthe account was closed XX/XX/XXXX, therefore, 180 days would have been XX/XX/XXXX, which is when the account should have been charged off and NO longer reported multiple delinquent days. Ive attached a copy of the companiess policy for supporting documentation. 

As you can see on the documents, this account has been sitting in collections for over a year which is out of compliance for the company policy and breach ofcontract. In addition to this, you all are reporting tons of mismatching information on allthree credit reports. It is your responsibility as a creditor to report accurate information according to the FCRA RULES. 
As you can see on the supporting documentation, it shows that you all closed my account XX/XX/XXXX on XXXX. On XXXX XXXX, it shows the account was open and current XX/XX/XXXX. On XXXX  it just shows the account was past due. This is all conflicting information.

Due to these errors, this has affected my credit score negatively and affected my payment history negatively and has created financial hardship. The account needs to be deleted or updated correctly for the account being charged off as of XX/XX/XXXX because that is when the account became 180 days past due.! I need you all to resubmit the correct information to the E-Oscar and get this rectified immediately! 

Ive already spoken to XXXX XXXX customer service and they stated the information that is reporting is what the creditor sent to them! 
If this is not corrected or deleted within 30 days, I will be taking legal action against your company due to violation of my consumer rights! And I will also report a complaint to the XXXX. This is a easy fix, and your company needs to be held accountable for their mistakes and errors. According to the FCRA, it is not illegal to delete accounts from the credit bureaus when you all have violated FCRA rules and regulations. So if you all are not willing to delete this account, then the other option is to throughly correct this account payment history and account status.! ( From XX/XX/XXXX to Current there should be NO delinquency status reported or any late payments!!!!! ) I am also requesting documentation in writing, confirming that you all will complete my request. 
I have attached supporting documentation from all credit reports on the credit bureaus official website. These are not third parties websites.! You all have more than enough documentation to honor my request and get this updated immediately. Theres no excuse for any pushback or any denial. This account is old and is paid off. But you all have messed up my payment history by not correctly charging off the account after 180 days of the closing date. 

I need this corrected immediately. This is my final attempt with this company once again if this is not corrected, I will be taking legal action against your company. 

I also would like documentation on the exact information that you sent to XXXX XXXX! 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation