Consumer complaint received 2024-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was shocked to discover my XXXX Credit report decreased by XXXX points on XX/XX/XXXXXXXX. I had met all payment deadlines. I found out what had happened through a credit update report from my XXXX account a few days ago. ( See attached - Capital One XXXX Score Drop XXXX, XXXX, XXXX, XXXX score XXXX ). I am asserting Capital One had retaliated against me for filing a complaint with CPFB ( complaint XXXX submitted on XX/XX/XXXX ) by reporting late or missed payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and more than 120 days late for XX/XX/XXXX on one day -- XX/XX/XXXX, to decrease my credit score. Why did they wait months to do this and do it right after my complaint? I had started making regular payments in XX/XX/XXXX ( see attached Capital One statements from XX/XX/XXXX to XX/XX/XXXX ) and paid the minimum amount Capital One had calculated for me each month. I have not missed one payment. This is targeted harassment, coercive control, and financial abuse to frighten me into not exercising my rights to complain to a government agency. I know what this is too well as I was in an almost XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and stopped working so I would support him. I finally had the courage to call the XXXX XXXX Police Department to have him arrested. I had restraining orders but had to leave the area to stay alive. ( See XXXX  report and restraining orders. ) If Capital One doubts how serious being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I wanted to highlight how frightening and life-changing these incidents are. 

XXXX XXXX XXXX XXXX XXXX XXXX ) My past is relevant because I am still trying to get my life and career back from this horrifying portion of my life. It is a slap in the face to get a XXXX credit score decrease, despite working hard to meet all payments as directed, as it is imperative to have a fair score to get a decent job. Its taken years to be able to XXXX XXXX   without fear. I want to work ( I have a right to have a livelihood ), return to my life, decrease my self-isolation and pay my debts as I have been. This abusive move by Capital One to cause my credit score to decrease is like a millstone around my neck.

Furthermore, I called Capital One on XX/XX/XXXX XXXX, at XXXX XXXX  PT, to ask for the letter explaining the terms of my credit card restriction and when the restriction would be lifted. I thought it might have been written sometime during XX/XX/XXXX XX/XX/XXXX. I also asked for the policies and regulations for my Capital One card. I had signed one when I applied for the card and by law they are supposed to send one upon request. The call took 50 minutes which was highly unusual. The representative kept starting and stopping saying he had a hard time finding letters. I wonder if this was a tactic made me to lose my patience and lash out at the rep. I didnt. I was professional and polite. I also wonder if being kind and polite to the representative ( and failing to be abusive ) opened me up for the XXXX point drop? I dont know how someone can be abused for treating a customer service rep with respect but I guess it happens.

I received a packet of letters from Capital One via USPS on XX/XX/XXXX. These letters were within the dates requested but I did not receive the terms of the restriction and I did not receive a copy of the policies and regulations for my account as requested.

I also do not know the fate of my Capital One Miles Rewards which total XXXX. ( See attachment - Capital One Rewards Miles XXXX ) There was nothing said about them.

I am fearful sending this complaint due to a fear of further heavy-handed retaliation and financial abuse. The internet has many stories of credit card companies and credit collection agencies ruining peoples lives. Its not a joke or a female problem.

Company response to consumer: Closed with monetary relief