CAPITAL ONE FINANCIAL CORPORATION – CFPB Complaint ID 3058050

Date Received: 2018-10-27T00:00:00.000

Product: Credit card debt

Issue: False statements or representation

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I contacted by my Capital One/XXXX credit card collections department on or about XX/XX/18 about my credit report saying my account was closed but my account online saying it was open. I was made to believe that my account was only closed until my balance was below my credit line, then I would be reopened. On XX/XX/18 I checked my credit report again and it still said the account was closed even though I now had available credit according to my online account. I submitted a dispute with XXXX on XX/XX/18. On XX/XX/18 I got the results saying it was closed with a freeze on file updating. I contacted Capital One/XXXX on XX/XX/18 inquiring about why it was being reported as closed now that I had available credit and explained what their collection department had led me to believe. They stated that they the collections department may not have had access to all the account information. I asked if they routinely made deceptive claims in order to get customers to pay. The only thing she kept referencing was the cardholder agreement saying that was all that mattered and not what/how a debt collector tried to collect the debt. I am wanting a copy of the audio call in which I agreed to make a payment, and of what the debt collector told me about my account. I know the call was recorded as they made me aware that the call was being recorded.

Company: CAPITAL ONE FINANCIAL CORPORATION

State/Zip: MN

Company Response to Complaint: Closed with monetary relief

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3058050

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