Consumer complaint received 2025-02-23 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: NC

Complaint narrative:
I had gotten approved for a XXXX capital one card for {$500.00} credit limit I believe in XXXX. I came across some hardship and wasn't able to keep up with my minimum payments. My luck began to change around XXXX of XXXX and in XXXX of XXXX I called capital one to set up payment plan. When I called them in XXXX to let them know what happen. I spoke with a customer service and I still had access to my account and she told me I would still be able to make my payments through the app/site. When I went to do so the following day my account said " this account is restricted '' So I called customer service back and got to speak with a manager regarding the status of my account after speaking with customer service the day before and setting up payment plan. I asked the manager why my account was restricted since I had already created a payment plan. The manager then says your account closed the next day and there was no way the customer service rep would have known! That didn't make any sense to me. So my account had been closed and charged off since XXXX of XXXX. Fast forward 3 days from today which is XX/XX/XXXX I am trying to get a house loan and I see an alert flag my credit report! I log in and my credit showed XXXX for late payment!! When I go to see what account this was it was the capital XXXX account! I was very confused because this account had been closed for some time and charged off! The charge was saying interest purchase! I then signed into my old capital one account for the XXXX card and the account read XXXX interest charge missed payment XX/XX/XXXX. My first question was when was all of a sudden I'm able to make payments and second why is this account still looks as if it's still open! I then called them XXXX and spoke with customer service. I explain to her what happen Nd she said '' your account is Closed '' and I said. But it doesn't say closed like my past 2 old account I had with you guys. I said so I can still go on this account and just start making payments and she said yes or you can call. I said well now I'm confused because it account was written off and now I can make payments?? So the same day I went and made a {$40.00} payment. The payment was received and processing. The next day XXXX I went to log back in to make sure the payment post and all of a sudden on 2 of my past accounts from capital one were on the dashboard that said Closed Accounts, and the silver account u had made the {$40.00} payment to does not say " account restricted " anymore it says account closed and I could t get in it anymore. I have proof of my payment after speaking with the rep. I also disputed the late on my credit report as well. All calls are recorded so that call can also be requested! As shown in the picture provided that account was after I made the paid through the capital one site. Yesterday it show XXXX close old accounts and 1 XXXX account that said " account restricted '' which was the account I paid on through the payment option! Now it's only showing XXXX old account and the XXXX account that I made a payment on a d flagged my credit for late payment and to it down XXXX. I am filing this complaint for fraud information reporting to credit bureau!

Company response to consumer: Closed with explanation