Consumer complaint received 2024-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a Capital One credit card Platinum It had a {$300.00} balance I have always paid the balance off in full I've never held a balance on the card My due date is the XXXX of the month Capital One has been deceptive They allowed us to pick the XXXX knowing that they report on the XXXX of every month and they take the information from the previous month so say you have a balance there but you've already paid it it won't show because of how they purposefully report to the credit bureaus which has hurt my credit score completely I have proof below I was on my way to being above XXXX I will be at XXXX once my loans are removed from my credit report which that will happen within 30 days because they've been forgiven My student loans so they hurt me then they turned around and they denied my credit card increase which I am old and increase of {$2500.00} I've always paid on time in full so the XXXX limit should have been moved to XXXX because of the way that they deliberately report my credit score dropped over XXXX points and I have pictures of the paperwork below and I called to speak to Capital One and there was a supervisor by the name of XXXX who was very disrespectful and XXXXXXXX XXXX very disrespectful and laughed in my face like oh well you should have picked a different payment day and make sure that you have no balance on the first that is insane and I asked her about the fair crediting act and she said well this is Capital One and this is what we do her literal words is what she said to me verbatim I'm disgusted and I'm frustrated and I've enclosed the proof below of my bills showing that I've never held to build our balance it's always been paid off in full This company is doing this on purpose I did a little research online there's XXXX groups and XXXX groups dedicated to Capital One and what they do to people & there businesses and their credit reporting they know that it harms us on purpose They need to remove this They need to do the proper reporting to all three credit bureaus immediately My credit history needs to be returned to what it was before they reported for XXXX because as now when XXXX it dropped my credit score over XXXX points so this needs to be fixed now and my {$2500.00} credit credit line should be increased now to {$2500.00} from {$300.00} I earned that I'm disgusted and frustrated with this company and it's not okay and they've done this to several people another fellow hair stylist like myself her credit report dropped 2 months in a row over a XXXX points and when you call them to discuss this and you don't owe them any money cuz you've paid already it's just the way that they continuously report every month and the day that they report on if they know they're going to report on it on a direct day they should not allow people to pick days to pay their bill it's a dirty practice and they need to be stopped My balance for XXXX was {$290.00} XXXX paid {$290.00} in full and pay the bill completely off there was no bill on XXXX the XXXX but they still reported that I owed {$290.00} which is a ball-faced lie It is illegal and it violates the fair crediting act rights Capital One knows exactly what they're doing and they're doing this to thousands millions of customers please put a stop to this

Company response to consumer: Closed with explanation