Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been a card holder of Capital One Platinum since XXXX, almost XXXX  years, and a Silver Capital One Card holder since XXXX, and I have had an overall excellent experience. 

Unfortunately, I was affected by the natural disaster in Texas last XXXX of XXXX, and my father was diagnosed with a terminal illness. 

I contacted Capital One on multiple occasions, please review the list of employees and their employee numbers included below. Unfortunately, I was denied any real assistance outside of a few {$40.00} last pay reversals. 

I noticed a billing error in XXXX of XXXX as well, and requested that the billing error be corrected and credited to my account, including any amounts for finance or other charges that I may have incurred. 

Unfortunately, an accurate statement reflecting these changes was never applied, which would have temporarily reduced my payment until the investigation was complete ; unfortunately, Capital One reported me late to all three credit bureaus in XXXX of XXXX, which dropped my credit score by 50 plus points.

As you are aware, because I officially disputed a charge, the Fair Credit Billing Act gives consumers the right to withhold payment for that item and the interest earned off of that purchase until the card issuers investigation is complete, and the card issuer is not allowed to send the consumer to collections, or report the action regarding the dispute to the credit bureaus as a late or missed payment. 

I was not provided the opportunity to change my payment date to coincide with my employer pay dates until I caught up with payments. This caused an additional hardship. 

I am including a log with detailed notes every time I contacted you all, and a short summary of what was said. 

Capital One Confr # XXXX XXXX XXXX XXXX {$200.00} Capital One Past Due XXXX XXXX Capital One XXXX Silver : Hardship Natural Disaster Complaint Complaint # XXXX Due Date Change XXXX of month XXXX XXXX XXXX Team Will not escalate, nor file a formal complaint XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Capital One XXXX : No waiver Applied Hardship Natural Disaster Specialty Assistance Program : Complaint # XXXX Due Date Change XXXX XXXX Will not escalate, nor file a formal complaint XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Waived late fee {$38.00}, interest refunded I was still actively working with Capital One, and making payments for as much as I could during this difficult time, and I even made a {$520.00} payment in XXXX. 

As an almost 20 year member of Capital One, I would greatly appreciate if this late pay could be removed in accordance with consumer law, or a goodwill adjustment. 

Thank you, XXXX XXXX 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing From Title 15COMMERCE AND TRADE CHAPTER 41CONSUMER CREDIT PROTECTION SUBCHAPTER ICONSUMER CREDIT COST DISCLOSURE Billing error For the purpose of this section, a " billing error '' consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, " action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) '' does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligor 's account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditor 's compliance with this section.

Company response to consumer: Closed with non-monetary relief