Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My name is XXXX XXXX & and I have been a loyal customer Capital One since XXXX, and I greatly appreciate the services you have provided to me throughout this time. I'm reaching out to request your understanding and consideration regarding the late payment that occurred on my account. Unfortunately, during the time period in question, I was diagnosed with XXXX, and the subsequent medical treatments and financial hardships that accompanied the illness resulted in a late payment on my account. Upon receiving the devastating diagnosis of XXXX, my life was forever altered as I embarked on a challenging journey of medical treatments and financial hardships. The journey through XXXX XXXX was filled with both physical and emotional trials, and the financial burden added an extra layer of stress and XXXX. My XXXX diagnosis necessitated various medical treatments, including XXXX, XXXX, and XXXX XXXX. XXXX aimed to remove the XXXX or XXXX XXXX, while XXXX and XXXX were employed to target and destroy XXXX XXXX. These treatments were physically grueling, often leading to intense side effects such as XXXXXXXX XXXX XXXX XXXX and XXXX  XXXX Frequent hospital visits and medical appointments became part of my daily routine, and I had to endure numerous tests and scans to monitor the progress of treatment. Coping with the pain and discomfort associated with the treatments was an immense challenge, and I leaned heavily on the support of my medical team, family, and friends to navigate through this difficult phase. Alongside the physical and emotional toll, XXXX brought significant financial hardships into my life. The cost of XXXX treatment, medications, and medical supplies quickly accumulated, placing a heavy burden on my financial resources. Insurance coverage, though essential, often had limitations and copayments that added to the financial strain. The inability to work during the treatment period resulted in a loss of income and the mounting medical bills added to the financial stress. The cost of transportation to medical appointments, lodging for out-of-town treatments, and additional caregiving expenses further compounded the financial challenges. As my medical bills continued to accumulate, I sought financial assistance through various channels. I explored local and national charities that provide support for XXXX patients, sought financial counseling services, and applied for financial aid programs. These efforts provided some relief, but the financial strain persisted. Amidst the physical and financial struggles, XXXX took a significant toll on my emotional well-being. The fear of the unknown, the uncertainty of treatment outcomes, and the constant worry about my financial future added immense stress to an already challenging situation. I am currently in the process of securing a mortgage, and my mortgage loan officer has advised me that removing these late payments from my credit profile would significantly enhance my creditworthiness and increase my chances of approval. I kindly request that you review my account and consider reversing these late payments from my credit history as a goodwill gesture.

Company response to consumer: Closed with explanation