Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
b'This was an email I sent to Capital One. No response and calling Capital One is awful as the reps do not speann on english well at all. XXXX am a customer and just recd an email tonight indicating I am (2) payments behind. I was shocked to hear this as though I am behind a few days I NEVER have been 30 days past due.  I always am sure i am paying the past due to avoid a 30 day delinquency on my credit report. This now appears it will be reported to credit beareaus as 30 days delinquent in the very near future. This is catastrophic to me and my livlihood and it turns out this is over XXXX XXXX. Yes you heard me right XXXX XXXX XXXXs what is causing this to be reported as 30 day delinquent. See belowXXXX XXXX XXXX  due date I had XXXXXXXX  due. This was a combination of past due and current amount due to make the minimum payment of XXXX XXXX XXXX  On XXXX XXXX made a payment of XXXX XXXX  satisfy the past due leaving XXXX  due for SXXXX XXXX.  In order for me to avoid a 30 day delinquency at this point I would need to pay that XXXX  which was due XXXX  by my next due date which is XXXX XXXX XXXX XXXX I made a payment of XXXX which was the DAY BEFORE my due date. I must of intervertanly entered a payment for XXXX  by mistake which is XXXX XXXX less than i what I would have intended to which would be XXXX THIS IS LITERALLY XXXX XXXX XXXX XXXX XXXX now is what is will cause me to be reported as 30 days delinquent on my credit report which would be catastrophic to my life and family as that will drop my credit score likely XXXX points and show I was 30 days late and be adverse to my reputation. My credit report has an 100% payment on time percentage. This would be devastating to me.  Again, this is literally due to a XXXX XXXXXXXX mis-key when i scheduled the payment online. Common sense would tell you that if I am making a payment to avoid a 30 day delinquency the day before a due date I would NOT short pay XXXX XXXX. That would make no sense. See previous months for same action I take. \n\nConsidering it is XXXX XXXX XXXXhat is causing this to be 30 days delinquent I am begging Capital One to have emphathy and not report this as 30 days delinquent over this XXXX XXXX  (less than a XXXX XXXX in US currency). It has not reported as of yet to the credit beareaus but it will after the beginning of next month and  given the situation over XXXX XXXX  I am BEGGING Capital One to not report this as 30 days delinquent. Heck, i paid a XXXX XXXX payment tonight which seems crazy but necessary to clear the 30 day delinquency. . Though the account currently still shows past due a few days - it is the 30 day delinquent that is going to affect my life dramatically and that 30 days delinquent reporting will literally be over XXXX XXXX I AM BEGGING CAPITAL ONE TO NOT REPORT THIS AS 30 DAYS OVER XXXX XXXX  PLEASE!   I even made a XXXX XXXX payment tonight. \n\nI also spent over 2 hours on the phone tonight with reps that are off shore that are very hard to understand and have a very difficult time assisting me. I was told 5 different times from a gentleman with broken english this is how credit cards work - not answering my concerns and just kept saying the same things over and over and over again that was not relevant to this issue. \n \nOverall XXXX XXXX  short by an mis-keyed number online should not ruin someones life as this will if reported as 30 days delinquent. Its clear I paid before the due date to avoid a 30 day delinquency but a mis-keyed value made it XXXX XXXX  short and now will cause a 30 day delinquency on my credit report oveXXXX XXXX XXXX would like a phone call by the Capital One Consumer EXECUTIVE  Advocacy Team. This is the team that is able to assist with  this request. I am asking this to be resolved expeditiously as I need this resolved as its causing a lot of stress in my life knowing a 30 days delinquency will be reported over .XXXX XXXX being 30 days delinquent over a simple mis-key when scheduling the payment online. Again, asking Capital One not to report this as 30 days delinquent. This is a very reasonable request given the circumstance. \n\nAlso, i plan to pay this card balance in full in the next 10 days. \n\nPlease call my cell phone at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation