Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
On XX/XX/year>, I noticed that a balance of {$610.00} had been reported to the credit bureau on XX/XX/year>, despite my XX/XX/year> credit card statement showing a XXXX balance. The reporting was both late and incorrect. I submitted a dispute with Capital One on XX/XX/year> through XXXX, but it was denied on XX/XX/year>. 

On XX/XX/year>, Capital One reported a {$3800.00} balance, but I had not yet received a statement. I made a payment to Capital One on XX/XX/year>. My payment due date is XX/XX/year>. My cycle end date is XX/XX/year> and my statement date is usually the XXXX XXXX of each month depending on the cycle end date. The balance was reported too early and is inaccurate. 

Capital One stated that my account was set to report in XXXX days which would be XX/XX/year> and nothing had been reporting as of XX/XX/year>. 

XXXXXXXX XXXX XXXX XXXXXXXX : XXXX This senior account manager was extremely rude and aggressive and spoke over me several times. He stated that my due date is XX/XX/year> and my cycle end date is XX/XX/year>. I explained to him I paid before both the due date and cycle end date. I have not received my statement ; therefore, a balance should not have been reported on XX/XX/year>. He said I must contact the credit bureau and that has nothing to do with Capital One. I asked him, doesnt Capital One report the balance? How would the bureau see my credit balance without Capital One reporting it? 

I asked him to transfer me to someone else and he said there was no one else I could be transferred to. He also asked me If I thought he would be going back and forth with me if he could transfer me to someone else? '' He said managers above him do not accept calls and that my only 2 options would be to call back and speak to someone else or write a letter. He cut me off to reiterate my 2 options ( stated above ) about 4 times. I was disrespected and rushed off the phone with the repetitive as I stated before, here are your options from XXXX. I asked was the call recorded, and he said it was. I asked if there is a call ID I could reference, and he said there was not. I dont know how this person could be a senior account manager with the customer service skills he provided to me today. He kept apologizing that I did not like my options, but my issue wasnt the options, it was how he spoke to me from the moment my call was transferred to him. I asked him to file a complaint since he couldnt transfer me to anyone and within 20 seconds, he said the complaint was filed. I do not believe it was filed. I did not receive a reference number for the complaint. I urge Capital One to get account managers who want to do their job and more importantly to speak to customers with respect. I felt very defeated when that call ended. 

I was on the phone with Capital One for a total of XXXX hours on XX/XX/year> and its very unfortunate that no one helped me.

Company response to consumer: Closed with explanation