Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I sent my payment ( an endorsed negotiable instrument ) for the total balance due : {$20000.00} to Capital One Spark XXXX account ending in # XXXX. It was sent certified mail with return receipt so I have proof that it was received : that is Conditional Acceptance. At first they pretended they did not receive the payment but then they admitted they had received the payment but that they did not accept that kind of payment : UCC 3-104 Capital One did not return the instrument to me and did not discharge the debt : UCC 3-311 . Then they marked my payment as late and started reporting inaccurate payment information to all 3 credit bureaus. They have been ignoring my letters or phone calls until I filed a complaint with CFPB. They said they do not accept that type of payment. This is dishonor to my instrument. UCC 3-502 Also they did not return the instrument to me. On XX/XX/XXXX I sent my payment ( an endorsed negotiable instrument ) for the total balance due : {$2000.00} to Capital One Quicksilver account ending in # XXXX. It was sent certified mail with return receipt so I have proof that it was received : that is Conditional Acceptance. At first they pretended they did not receive the payment but then they admitted they had received the payment but that they did not accept that kind of payment : UCC 3-104 Capital One did not return the instrument to me and did not discharge the debt : UCC 3-311 . Capital One has marked my payments as late and I have been denied credit because of their fraudulent behavior. They have dishonored my instrument. UCC 3-502 Capital One is in breach of contract and breach of fiduciary duties. All information was pre-populated by the referring agency. 
On XX/XX/XXXX I sent my payment ( properly endorsed negotiable instrument ) of {$21000.00} to Capital on via certifed mail : they signed for it on XX/XX/XXXX. They did not applt the payment to my account ending in # XXXX. Also they did not return the payment to me. Capital one has dishonored my instrument. Capital One has stolen another promissory not from me. This is fraud!!! They have stolen more than {$40000.00} from me and are reporting fraudently to all 3 credit bureaus that I have not paid when in fact I did. I have been denied credit and also denied for a loan because of the fraud Capital one is perpetrating. 
On XX/XX/XXXX I sent my payment ( properly endorsed negotiable instrument ) of {$1800.00} to Capital on via certifed mail : they signed for it on XX/XX/XXXX. They did not applt the payment to my account ending in # XXXX. Also they did not return the payment to me. Capital one has dishonored my instrument. Capital One has stolen another promissory not from me. This is fraud!!! They have stolen more than {$3000.00} from me and are reporting fraudently to all XXXX credit bureaus that I have not paid when in fact I did. I have been denied credit and also denied for a loan because of the fraud Capital one is perpetrating. Why is there no remedy when Capital one is clearly breaking UCC 3-104, UCC 3-603 ( b ) UCC 3-502 and defruading its customers.

Company response to consumer: Closed with explanation