I read the thread on GW letters and I thought I would ask a couple questions.
I had a couple 30 day late,s with capital one back in 07 due to a death in the family.
has anyone had any luck doing it over the phone?
also if I do write a letter to capital one, who would I address it to?
I have heard people getting a GW over the phone but I think it is rare, just depends on the creditor. However, if you are writing them a letter I would use the address that is on your credit report. Good luck.
I have had success in the past getting a late payment charge removed by calling the card issuer. I have no lates showing up on my report and don't have a history of them with any of those cards.
Each time the CSR said something like "we will remove it as a one time courtesy". I think I may have had more than 1 removed on the same card a few years apart, so it is possible.
Its important to note that I was really only focusing on the late charge in those instances (and getting it credited back), so those probably weren't 30+ day late issues and my entire post is really not helpful...
I tried calling the number on back of the card and got nowhere at all, on the plus side, capital one csr's are
speaking English much better these days.
I plan on sending a email this week, if I have no luck there I will try the number on my CR and do a snail mail as a last resort.