CAPITAL ONE FINANCIAL CORPORATION – CFPB Complaint ID 3111104

Date Received: 2018-12-27T00:00:00.000

Product: Credit card debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: This complaint is stating that your bank has deliberately cut off several years of payment history to re-age my account. Even though the account is missing several years of payment history, the timeline as to when the account should be deleted, under the current late payment history is close, within a few months. Accordingly, I request your bank to do a full review of my payment history, and not delete any late payment history in the process. If there were any additional late payments not posted, then I am within my rights to have the trade line deleted permanently. I understand that your bank must comply with the rules and guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. There is currently no collection enforcement that can be accomplished due to the rules within my state of residence. If my husband is the responsible party on the account, and I was just an authorizer user, then I respectfully request the deletion of the trade line. There should be a definitive deletion date within the 7-year rule to this account. However, I believe that since your bank has cut off several years of payment history, there is a high level of probability that the account should have been deleted years ago. Please comply within the rules as well as your banks subscriber agreement with all three pertinent credit reporting agencies. PLEASE DELETE THIS ACCOUNT PERMANENTLY!!!

Company: CAPITAL ONE FINANCIAL CORPORATION

State/Zip: NY 122XX

Company Response to Complaint: Closed with non-monetary relief

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3111104

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