This is the email I sent them also that triggered the removal and got me in contact with the nice EO who took care of it. I will PM you the email I sent it to.
Hi, my name is XXXXXX 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 June 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 XXXXXXX@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
Don’t take your credit for granted, use it with care! These days, catch me in the bankruptcy forum!?
