Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX **JPMCB Card Services** XXXX XXXX XXXX XXXX, DE XXXX XXXX Whom It May Concern, ** I am writing to respectfully request the removal of a late payment report from my credit file with XXXX XXXX XXXXXXXX for XX/XX/XXXX. This request is based on extraordinary and unforeseen medical circumstances that prevented me from making the payment on time. I hope you will consider this request as a gesture of goodwill. 

In XX/XX/XXXX, I contracted XXXX, which led to severe complications, including symptoms resembling XXXXXXXX XXXX This rare XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Shortly afterward, I received the XXXX vaccine in XX/XX/XXXX, which unfortunately led to additional complications, further impacting my XXXX XXXX XXXX 

The situation escalated on XX/XX/XXXX, when I was critically XXXX XXXX XXXX XXXX XXXX. I suffered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This injury required extended XXXX, and I fell into a XXXX  for six weeks, **fighting for my XXXX XXXX**. During this critical period, I was completely incapacitated and unable to manage my financial obligations, including setting up autopay arrangements. 

These events occurred during the ongoing XXXX XXXX XXXX XXXX XXXX XXXX ), which presented additional challenges in managing my finances. Despite these circumstances, I have consistently maintained an impeccable payment record on my XXXX account, with this being the only late payment since opening the account. 

To support this request, I have compiled documentation of my XXXX XXXX XXXX positive XXXX test results, vaccination details, and related complications. I am happy to provide these records to substantiate my situation. 

This late payment has created a significant barrier to securing personal loans, which I need to rebuild both my financial and physical well-being. I kindly ask XXXX XXXX XXXX to consider removing this late payment from my credit report as a goodwill adjustment. Your understanding and support in this matter would have a meaningful impact on my ability to recover and move forward. 

Thank you for your time and consideration. I am hopeful for a favorable response. If you require further documentation or information, please do not hesitate to contact me. 

Sincerely, **XXXX XXXX** Chase Sapphire Credit Card Account # : XXXX XXXX XXXX XXXX XXXX : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - My case relates to the findings in the CFPB 's lawsuit against XXXX because it highlights the challenges consumers face when credit reporting agencies fail to properly investigate and correct errors on credit reports. In my situation, I experienced a life-altering eventa six-week XXXX XXXX XXXX XXXX XXXX XXXX led to a single late payment. Despite providing documentation and a detailed explanation of my circumstances, if the credit reporting agency refuses to conduct a thorough investigation or declines to correct the error, it would mirror the issues described in the CFPB 's lawsuit. 

The CFPB alleges that XXXX conducted " sham investigations '' into consumer disputes, resulting in inaccurate information remaining on credit reports. This kind of negligence can severely impact consumers ' ability to access credit, secure employment, or even find housing. In my case, this late payment has already created obstacles as I work to rebuild my financial stability after a traumatic period in my life. 

This situation underscores the importance of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate consumer disputes and correct or remove information that is inaccurate, incomplete, or unverifiable. Knowing this, I feel even more compelled to pursue the correction of my credit report. My circumstances were extraordinary and beyond my control, and I have the right to expect that my dispute is handled with care and diligence. If not, it becomes part of a larger systemic issue that the CFPB is actively working to address.

Company response to consumer: Closed with explanation