Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
Capital One Inaccurate Reporting, Deleted Payments, Fabricated Dates, Re-Aging, and Improper Charges I am filing this complaint regarding Capital Ones inaccurate reporting of my payment history, the deletion and alteration of payments documented by my bank, and the creation of a false delinquency timeline that violates the Fair Credit Reporting Act ( FCRA ), including 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 623 ( a ) ( 5 ). These actions also resulted in improper fees, inflated minimum payments, and direct financial harm. 

XXXX. XX/XX/year> Was Fully Paid, Yet Capital One Erased the Entire Cycle My XX/XX/year> billing cycle was fully satisfied by my XX/XX/year> payment, which Capital One acknowledges. Capital Ones own statements also admit that I made a {$50.00} payment on XX/XX/year>. Despite this, the evidence packet they provided entirely omits the XXXX cycle, creating the appearance of a missed payment that never occurred. This omission formed the basis for inflated minimum payments, improper late fees, and subsequent false delinquency reporting. This violates FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ).

2. Capital One Deleted Three Valid XXXX Payments and Inserted a Nonexistent XX/XX/XXXX Payment The billing statement for the cycle ending XX/XX/year> lists only XXXX payments : XX/XX/XXXX ( {$50.00} ) and XX/XX/XXXX ( {$50.00} ). However, my bank records show XXXX additional payments during the same billing period : XX/XX/XXXX ( {$50.00} ) and XX/XX/XXXX ( {$50.00} ). All payments are legitimate phone payments that cleared my bank. Neither appears on XXXX Ones statement. Instead, the statement includes a {$50.00} payment on XX/XX/XXXX a date that does not appear anywhere in my bank transaction history. Capital One deleted XXXX real payments and replaced them with an invented posting date. This manufactured timeline created a false past-due balance for XXXX and allowed Capital One to assess improper fees and begin a chain of inaccurate reporting, in violation of FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 623 ( a ) ( 5 ). 

XXXX. XXXX Was Not Late. The Delinquency Was Created by Altered Records When the accurate payments are restored XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX it becomes clear that the XXXX cycle was fully satisfied multiple times. The only reason Capital One generated a past due status was because they removed documented payments and inserted a fabricated date. This is inaccurate reporting. 
My bank records show : XX/XX/XXXX {$50.00} ( belongs to the XX/XX/XXXX cycle ) XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XXXX. XXXX Payment Was paid in XX/XX/year> its billing cycle, and XXXX Was Paid On Time In XXXX, I experienced a fraud-related freeze on my primary bank account ( Chase ). Once access was restored, I made the XXXX payment on XX/XX/year>. Under FCRA and XXXX guidelines, a creditor XXXX only report a XXXX delinquency if a payment remains unpaid for a full 30 days past the due date. Since the XXXX payment was on time, the reported XXXX XXXX late mark is inaccurate and resulted from the earlier altered timeline. 

XXXX. CASH ADVANCE INTEREST CHARGED AFTER BALANCE WAS XXXX In early XX/XX/year>, I took a {$300.00} cash advance and repaid it within a few days. The cash advance balance returned to XXXX. Despite that, Capital One has continued charging cash advance interest every month from XXXX through XXXX. 

Charging interest on a balance that does not exist is not a billing dispute, it is improper finance charging. These errors inflated my balance, increased my minimum payments, and never stopped. This improper interest increased my balance, inflated my minimum payment each cycle, and caused further financial harm. 

XXXX. Financial Harm : False Fees, Inflated Minimum Payments, and False Reporting Capital Ones inaccurate records resulted in : - Improper late fees - Inflated minimum payments - False interest charges - A false XXXX XXXX late derogatory mark All of these stem from Capital Ones XXXX XXXX payments and fabricated posting dates. 

XXXX. Request for Reimbursement of All Improper Charges Because these charges were generated by inaccurate internal data, not my actual payment behavior, I request full reimbursement of all improperly assessed amounts. 

XXXX Credit Denials Directly Caused by Capital Ones Inaccurate Reporting I was denied credit twice by Capital One and denied a small loan by XXXX XXXX for car repairs while the false derogatory mark was appearing. These denials constitute financial harm caused directly by XXXX XXXX inaccurate reporting. 

XXXX. Repeated Ping-Pong Re-Aging Between XXXX and XXXX My credit reports show Capital One repeatedly shifting the XXXX late mark back and forth between XX/XX/year> and XX/XX/year>. A XXXX delinquency can not legally move between months. Each shift caused a fresh score drop and further damage. This repeated re-aging violates FCRA 623 ( a ) ( 5 ).

I respectfully request the following corrections : 1. Removal of the false 30 day late from all credit bureaus. 
XXXX. Refund of all improper late fees. 
XXXX. Refund of all cash advance interest charged after the balance reached {$0.00} in XX/XX/year>. 
XXXX. Correction of all payment posting errors. 
XXXX. A written explanation describing how Capital One will ensure proper posting and billing going forward. 
XXXX. Stop all re-aging practices 7.Provide written confirmation of corrections XXXX. Refund of all cash advance interest charged after the balance reached {$0.00} in XX/XX/year>.

Company response to consumer: Closed with explanation