Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Whom It May Concern, We have been severely mistreated in this entire situation regarding the theft of our XXXX vehicles. Below is a detailed account of the events and our grievances : **Incident XXXX : XXXX XXXX XXXX XXXX. **Date of Theft** : XX/XX/XXXX - The XXXX XXXX XXXX was stolen in front of our complex off the street. 

- We attempted to report the theft from work but were informed that we needed to report it in person. 

- I was out of town on a XXXX assignment at the time. 


XXXX. **Date of Report** : XX/XX/XXXX - Upon returning to town, my husband and I reported the car stolen to the XXXX XXXX Police Department XXXX 



XXXX. **Recovery and Notification** : - The car was found on XX/XX/XXXX, but we were not informed. 

- Due to a clerical error ( failure to include our unit number ), we did not receive the notification until XX/XX/XXXX. 

- By the time we were notified, the towing and storage fees amounted to {$11000.00}, which we could not afford. 



XXXX. **Communication with Authorities and Towing** : - We contacted XXXX XXXX XXXX and explained the situation, including the clerical error and the fact that our car was stolen. 

- Despite our explanations, XXXX from XXXX XXXX XXXXXXXX refused to reduce the fees, citing that XXXX and XXXX were aware of the car 's location. 

- We spoke with XXXX multiple times, and at XXXX point, XXXX the XXXX expressed surprise that no one had informed us of the car 's recovery. 

- Meanwhile, we continued making payments to XXXX without knowledge of the car 's recovery. XXXX also mentioned that XXXX had instructed him to sell the car to cover the fees. 



XXXX. **Requested Actions** : - Immediate removal of this vehicle from my husband XXXX XXXX XXXX credit file and our business ( Peaceful Living XXXX ) with Chase. 

- Reimbursement for all payments made since the car was stolen on XX/XX/XXXX. 



**Incident XXXX : XXXX XXXX XXXX XXXX. **Date of Theft** : XX/XX/XXXX - The XXXX XXXX was stolen from in front of my friend XXXX XXXX XXXX XXXX. 

- XXXX reported the car stolen immediately. 



XXXX. **Recovery and Damage** : - The car was found quickly, but a police chase ensued, resulting in the vehicle being totaled due to the police crashing into it to apprehend the thief. 



XXXX. XXXX*Insurance and Financial Issues** : - Despite our comprehensive coverage with XXXX for XXXX vehicles, XXXX has informed us that they will not cover the damages without a lawyer. 

- We have continued making payments to Capital One, but now the car is reported as a late payment despite being stolen and totaled. 



XXXX. **Discrimination and Unfair Treatment** : - We believe we have been subjected to discrimination and unfair treatment by XXXX, XXXX, and Capital One. 

- Our friends in similar situations were not subjected to such investigations or delays in payment. 

- The police arrested the thief, and we were never called in for questioning, indicating we were not suspects. 



**Questions and Concerns** : - How is it our fault that our cars were stolen and we had to park on the street? 

- Why are we being penalized financially and reported negatively on our credit for incidents beyond our control? 

- Why was there a delay in notification due to a clerical error by the police, and why are we bearing the financial burden of this mistake? 



**Conclusion** : We feel we have been grossly mistreated by XXXX, XXXX, and XXXX XXXX  XXXX and now Capital One reporting Late and repossession. We seek immediate rectification of these issues, including the removal of negative credit reporting, reimbursement of payments made post-theft, and a review of policies to prevent such injustices in the future. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation