Date Received: 2017-11-05T00:00:00
Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: X/XX/16 advised original creditor i had been sick and lost job. i was advised that we could set up a more feasible plan to pay debt back. however, the account was closed despite verbal agreement we agreed upon and when I did speak with them to find out why i was advised the account was closed and would be handle by the collections department and since I did not know how to pay my bill my credit would be affected.
Company: CAPITAL ONE FINANCIAL CORPORATION
State/Zip: NY 112XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2720903
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.
