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

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On XX/XX/2018 I paid Capital One {$220.00} for a previous balance owed from many years ago. Afterwards I received a confirmation letter from Capital One dated XX/XX/2018 stating the account was complete and settled.

My problem is the derogatory mark continues to show on my credit report as of today XX/XX/2018. The Amounts Owed category makes up 30 % of a credit score as a result this mark is keeping my score low. It doesn’t look favorable to future lenders.

This was paid over 6 months ago. I am asking please delete this completely so it doesn’t show on my credit report at all. I need my score to increase for future business plans.

Best regards,


State/Zip: GA 300XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3066609

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.

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