CFPB Complaint

CAPITAL ONE FINANCIAL CORPORATION – CFPB Complaint ID 3066557

Consumer Complaint Submission

Date Received: 2018-11-06T00:00:00.000

Product: Credit card debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I sent a validation goodwill letter to both XXXX & Capital originally dated on XX/XX/XXXX asking them to verify the late payments that are showing on my credit report since I never been late on any of my payments. Since I did not hear anything back from them within that 30 day time period I sent them no response letters to each creditor XXXX and Capitol One and I sent Section 609 letters to each credit bureaus dated on XX/XX/XXXX and XX/XX/XXXX asking them for proof of the late payments that were being reported on my credit report. After I sent that I received a response from the credit bureau and each creditor. My response from the bureau included a copy of my credit report : XXXX sent me an update in which they changed only in regards to XXXX not Capitol One, but XXXX and XXXX did not update anything. I received a letter from Capitol One and XXXX stating they need information from me such as the letter and copy of my credit report in which I sent. Furthermore I sent both creditors what they wanted this included a form from XXXX verifying my personal information and Capitol one requested I provide them a copy of the letter they sent with my credit report showing the late payment and then both creditors sent back letters stating they will not be updating anything and I need to provide more information completely ignoring my request.

Company: CAPITAL ONE FINANCIAL CORPORATION

State/Zip: IL

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3066557

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.

READ  Pressler & Pressler, LLP - CFPB Complaint 2018-11-13

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.




About the author

Research Department

Here is where you will find important stories located from around the web which can impact you and your financial life.

Scroll to Top