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To confim - are you saying you got Capital One to remove a 90 days late for you?
Wow, congrats!
While I no longer needed it (I got them to remove the one 30-day late I had) others could gain form you info - how did you do it - what did you say to the EO -what was the basis of your BBB complaint - what reason did you give, what specifically did you request, etc.
Sorry, I just re-read your second post - so you did pay late but it was becuase you never got a bill from them?
The basis of my dispute was that I hadn't been receiving my statements and had signed up for auto debit, but unfortunately it must not have went through. They had my current number on file but had never contacted me to explain that I was late (I found out after apping for a loan), at which point I immediately caught it up. I asked that out of goodwill they remove the lates. I'll post my letter just have to find it.
So I totally was mistaken! I got it mixed up with my other BBB complaints I currently have. I had went to file a BBB complaint and upon going to submit it, it gave me an email to the escalations office so instead of going BBB I directly emailed that email with the name of the Executive attached that it gave me. Email was as follows. I've removed personal info, names etc.
XXXXXXX
Hi, my name is XXXX XXXX and I am a consumer of Capital One. In September of 2012 after struggling to build credit I was super excited to learn that I could get a secure credit card with Capital One and slowly but surely build up my credit in hopes of securing a home mortgage for my family. After submitting my application I was approved for and received the Capital One secured card. In May of 2013 I attempted to sign up for auto bill pay through my bank and was under the influence that it had successfully went through and that my bill was being paid monthly as agreed upon. I did not receive any communication stating otherwise from Capital One or to put me under the impression that it wasn't being paid. In September of 2013 me and my wife applied for and attempted to secure our first home mortgage loan with a local bank. Upon pulling our credit, they informed me that my credit card was showing as 90 days past due! At this point my heart sank and I immediately made prompt payment in hopes of not only saving my account and reputation with Capital One but also in hopes of saving my credit. Little did I know it was too late so save my credit as the negative remarks had already been reported and we were denied and lost all chance of being able to get a home mortgage. Had I received mailings from Capital One informing me that the credit cards were late I would have taken care of it first thing. Over the last year and a half I have attempted to explain my situation to several CSRs as well as through credit disputes that the bill was not received to no avail. I was at the point of making a BBB complaint since I have been unable to find a human within Capital One that would understand that this mistake should not have happened and that bad things do happen to good people. Luckily the BBB site pointed me in your direction. I do not want to make a report against Capital One as you were the only ones who would give me a chance at credit when I was down and have been GREAT towards me over the years aside from this one issue. I am asking for help here, and that out of good faith we can come to a resolution and have these late's removed from my consumer reports and restore my reputation. The last 4 digits of my account number are xxxx and the last 4 digits of my SS# are xxxx You can reply to me directly at my email xxxx@gmail.com. I appreciate you taking the time out of your day to read this and I hope we can get this situation resolved in a way that works for me, as well as Capital One. Thank you for your services.
Sincerely,
XXXXXXXXXX
Thanks for sharing. I must say I'm still surprised they did it. We all know they are not good with removals. I wouldn't have thought the "I didn't get my bills / my auto-debit didn't work" reason would work as I have read over and over on this site others giving the same reasons.
I guess, just like me, your request just landed in the right hands at the right time - just like many things in life that is sometimes what it takes, right time/right place.
Be sure to log into your account, go to "Manage Auto-Pay" and be sure it is set up with "Minimum Payment" as the "Select Amount". The other crazy thing I do now - I actually sit down for 20 minutes every Sunday, log into every credit account I have and check the status - I know, totally crazy
Once again, congats!