Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
XXXX. DUPLICATE ACCOUNT REPORTING - FCRA VIOLATION Capital One is reporting XXXX SEPARATE ACCOUNTS for the SAME CONSUMER with nearly identical account numbers, creating artificial inflation of negative credit history : Account XXXX ( Charged Off ) : Account Number : XXXX ( XXXX Page XXXX XXXX Pages XXXX ) Date Opened : XX/XX/XXXX Status : Charged off, {$4100.00} written off Credit Limit : {$3300.00} Account XXXX ( Currently Open ) : Account Number : XXXX XXXX ( XXXX Page XXXX ) / XXXX ( XXXX Pages XXXX ) Date Opened : XX/XX/XXXX Status : Open/Pays As Agreed Credit Limit : {$1500.00} VIOLATION : This appears to be the same account being reported XXXX with different statuses, artificially doubling the negative impact on credit scores. XXXX. INCONSISTENT PAYMENT HISTORY REPORTING Between Bureaus : XXXX Account XXXX : Shows charge-off in XX/XX/XXXX XXXX Account XXXX : Shows charge-off in XX/XX/XXXX, XX/XX/XXXX Date Discrepancy : Last payment dates differ between reports Timeline Inconsistencies : Payment histories show impossible sequences Account shows payments after alleged charge-off dates VIOLATION : FCRA Section XXXX - furnishing inconsistent information XXXX. INACCURATE ACCOUNT STATUS REPORTING Charged-Off Account Issues : Reports {$4100.00} balance with " past due '' status after charge-off Shows scheduled payments on a charged-off account VIOLATION : Once charged off, an account can not simultaneously show " past due '' status Open Account Issues : Shows delinquencies that don't align with payment history Balance fluctuations inconsistent with payment patterns Credit limit reporting inconsistencies ( {$1500.00} vs {$1800.00} high balance ) XXXX. FAILURE TO INVESTIGATE DISPUTES PROPERLY Both reports show evidence of multiple disputes : Narrative CXXXXe XXXX : " Account Previously in Dispute - Now Resolved by Data Furnisher '' XXXX shows : " This item was updated from our processing of your dispute in XX/XX/XXXX '' VIOLATION : Despite " resolution, '' fundamental errors remain uncorrected XXXX. IMPROPER BALANCE AND PAYMENT REPORTING Charged-Off Account : Shows {$4100.00} balance after charge-off Reports both " charged off amount '' and " past due amount '' as same figure VIOLATION : Double-counting the same debt Open Account : Shows payment history with no actual payments recorded Balance changes without corresponding payment activity VIOLATION : FCRA Section XXXX ( a ) ( XXXX ) - accuracy requirements XXXX CREDIT LIMIT INCONSISTENCIES Account XXXX : {$3300.00} credit limit, {$4200.00} high balance ( exceeds limit ) Account XXXX : {$1500.00} credit limit, {$1800.00} high balance ( exceeds limit ) VIOLATION : Both accounts show balances exceeding credit limits without explanation of over-limit fees or authorization. XXXX. IMPROPER CHARGE-OFF REPORTING Shows charge-off in XXXX for account opened in XXXX Charge-off amount ( {$4100.00} ) reported as both balance and past due VIOLATION : Improper dual reporting of same debt amount XXXX. DATE OF FIRST DELINQUENCY ERRORS Account shows first delinquency as XX/XX/XXXX Payment history shows earlier delinquencies in XXXX and XXXX VIOLATION : FCRA requires accurate DOFD for statute of limitations 15 U.S.C. XXXX ( XXXX ) - Duty of furnishers regarding accuracy 15 U.S.C. XXXX ( b ) - Duties of furnishers upon notice of dispute 15 U.S.C. XXXX - Procedure in case of disputed accuracy Willful violation evidenced by continued inaccurate reporting after multiple disputes Capital One 's systematic inaccurate reporting, failure to properly investigate disputes, and apparent duplicate account reporting constitute serious violations requiring immediate CFPB intervention and corrective action.

Company response to consumer: Closed with explanation