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creditworthynky
Posts: 1
Registered: ‎10-08-2011
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Capital One credit reporting

Someone please help....My payments for Capital One are automatic monthly.  I get a call today saying that I am 40 days behind!!!!  I am never late with anyone. I immediately paid them while on the phone but the rep (who spoke broken english) didn't know what I meant when I asked for them to delete it as a one time courtesy.  Do they do this? How can I get Capital one to delete the 30days from my report?  I am cluess to why it didn't automatically pay?  I feel awful!!  Any advise?

Established Contributor
flowfaster
Posts: 787
Registered: ‎08-30-2011
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Re: Capital One credit reporting

[ Edited ]

I never trust those automatic payment things.  They always pull the funds on the LAST due day its crazy.  Sorry I didnt answer your question but I suggest you manage your payments yourself.

 

EDIT: Try calling a backdoor number to get someone higher in the food chain. Find out what/who is to blame and work from there.

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coldnmn
Posts: 12,947
Registered: ‎08-08-2011
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Re: Capital One credit reporting

I checked my account and in frequently asked questions for my account. It says, I can't make automatic monthly payments. You had better check this out or your going to continue having this problem.

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Regular Contributor
jla84
Posts: 249
Registered: ‎07-21-2011
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Re: Capital One credit reporting

I would double check that you have auto payments set up. Capital One makes it incredibly hard to enroll in auto payments. I had to ask a CSR to mail me a form to send/fax back to them before I could enroll. I have every intention of paying manually before the due date (lately it's been before the statement cuts so that I can control my UTL %), but I want to enroll in auto payments just in case I'm in the hospital or something else happens to me and I'm unable to get to a phone/computer to pay my bill. Basically I'm only using it as an emergency back up.

 

About the late reporting - I would suggest the same as flowfaster. Call the backdoor number to try to get to someone at a higher level who knows what you're talking about. 

 


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john398
Posts: 3,517
Registered: ‎01-19-2009
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Re: Capital One credit reporting


flowfaster wrote:

I never trust those automatic payment things.  They always pull the funds on the LAST due day its crazy.  Sorry I didnt answer your question but I suggest you manage your payments yourself.

 

EDIT: Try calling a backdoor number to get someone higher in the food chain. Find out what/who is to blame and work from there.


+100 however if paying on last day due worse would happen is late fee not 30 day late


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