Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One unlawfully closed my credit card account, added unauthorized charges after payoff, and reported false late payments in violation of federal law. 

My Capital One credit card ( ending in XXXX ) was wrongfully closed for alleged fraud, even after I verified by phone that all purchases were legitimate and made by me. Capital One confirmed my identity and the validity of the transactions, yet still closed the account and flagged it for fraud. 

After closure, I paid my entire balance in full, which brought the account to a {$0.00} balance. A Capital One representative again confirmed that I owed nothing further and that my account was fully settled. 

Months later, Capital One added new interest charges to this already-paid account without any written notice, statement, or disclosure. These fabricated charges were never communicated to me, and I received no billing statement or email alert. Capital One then reported a 60-day late payment to XXXX XXXX XXXX XXXX on an account that had already been paid in full and closed.

This conduct is false, deceptive, and unlawful, constituting multiple violations of the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), and the Truth in Lending Act ( TILA ), including : FCRA 602 ( a ) Guarantees consumers the right to accurate and fair credit reporting.

FCRA 607 ( b ) Requires furnishers to maintain the maximum possible accuracy of information reported.

FCRA 611 ( a ) Requires a full and fair reinvestigation of disputed information.

FCRA 623 ( a ) ( 1 ) ( A ) Prohibits reporting information known or reasonably known to be inaccurate.

FCRA 616 & 617 Establish civil liability for willful and negligent non-compliance.

FCBA 15 U.S.C. 1666 ( a ) Prohibits billing for unauthorized or undisclosed charges and requires written notice before assessing new balances.

TILA 15 U.S.C. 1637 ( b ) Requires clear disclosure of finance charges and outstanding balances. 

Capital Ones actions show willful disregard for federal consumer-protection laws. They closed my account for false fraud, charged undisclosed interest after full payment, and furnished knowingly false information to credit bureaus, damaging my credit score and reputation.

DEMAND FOR DELETION AND CORRECTION : I am demanding that Capital One and the credit bureaus immediately : 1. Permanently delete every inaccurate late-payment entry including the false 60-day late from my credit reports with XXXX XXXX XXXX XXXX .

2. Correct the account status to Paid as Agreed/ Closed by Lender No Delinquency.

3. Remove all references to fraud or delinquency related to this account.

4. Confirm in writing within 30 days that the account reflects a {$0.00} balance and full compliance with FCRA 611 ( a ) and 623 ( b ).

Capital Ones conduct constitutes willful non-compliance under FCRA 616 617 and illegal post-billing under FCBA 1666 ( a ). These violations have caused measurable financial and emotional harm.

I request that the Consumer Financial Protection Bureau investigate and compel Capital One to delete the inaccurate data, correct my credit reports, and ensure full compliance with the FCRA, FCBA, and TILA.

Company response to consumer: Closed with monetary relief