its 2 years later and my credit rating is POOR

What the CFPB Record Shows About its 2 years later and my credit rating is POOR

its 2 years later and my credit rating is POOR has accumulated 2 consumer complaints in the CFPB public database, with filings active across 2 U.S. states. Of those submissions, 2 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to I re, and the most recent logged activity is I received, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, its 2 years later and my credit rating is POOR reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "and nonstop harassment from capital one representatives that I would never let answer or speak to a customer ever again. Therefore", and the single most common underlying issue is "then the {$500.00} reversal made it {$2000.00} and over 2 years it amounted to almost {$3000.00} and capital one looked bad so they made my credit limit {$2000.00} and state it went to {$2500.00} after the reversed XXXX payment and only a few XXXX in fees ... ..but DOES IT MATTER. I WANTED TO WORK OUT A PAYMENT PLAN. I asked to the judge and attorneys for capital one in court and when I called their law firm in XXXX XXXX and spoke to XXXX who assured me I did not owe anything to them and when I went to court In XXXX".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating its 2 years later and my credit rating is POOR: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.