06-14-2012 02:50 PM
Has anyone succesfully obtained a positive result on a Capital One GW? I'm in a crappy situation. I've had a Capital One card for 7 years and I pay on time, always the full balance. Last month, however, I forgot about a $14.95 charge on the card (I haven't been using it much lately). I was having a bad month, or I probably would have remembered. My stepson has mental health issues, and he's been doing well recently, but he decompensated at school and was suspended for a week. It's just been a mess.
As soon as I started getting those collection phone calls, I realized what had happened, and paid the account balance in full. I was so freaked out I actually ended up paying it twice and now have a credit in my account. I'm getting a pay cut at my job (as is my husband), and we've been saving up a large downpayment so we can refinance, since our house is underwater. It should lower our house payments by $400/month. The refinance was just about to go through when they ran one last credit check and that 30 days late popped up. The mortgage company is saying no-can-do, unless I can get that removed.
I have always been fiscally responsible; my credit score WAS in the mid 700s. It kills me that my stupid $14 mistake may cause us to lose the refinance and thousands of dollars in savings. I've tried calling the Account Specialist number and was forwarded to an Account Manager, but everyone keeps telling me that it CAN'T be done. Is there anything else I can do? I wrote a letter, but I don't know where to send it.
I am willing to do anything to correct this awful mistake.
Thank you so much for reading.
06-14-2012 02:53 PM
I will PM you a very good e-mail to send a bonafide GW too.
I can lead you to the water, but cannot make you drink it.
06-14-2012 06:44 PM
Don't worry CapOne is very GW friendly, i've had success with them several times. If you get a no the first time, just give it a day or two and call back. My success has come from calling, never through email or letters.
Wish you the best of luck!
06-14-2012 10:34 PM
Would I be able to get you to PM me that email address or best phone number. Trying to GW CAPONE as well. Thanks
06-15-2012 06:34 AM
06-15-2012 09:43 AM
I sent a certified letter, sent the email, and I'm sending a fax this afternoon. I'm also going to try calling again. In the meantime, the mortgage company is trying to see if they can put the loan in my husband's name only. I really appreciate all the help. Of all the times to make a stupid mistake, this is the worst. I'm counting down to the pay cut...
Be really responsible, but screw up once, and it can ruin your life.
06-15-2012 10:34 AM
I have an acct I need to GW a TL that was formerly HSBC that C1 just purchased (they purchased HSBC's entire U.S. credit card business) - the acct itself it still open and is current, but I have one 30 day late that HSBC had previously agreed wouldn't be reported as late since I called and detailed the circumstances and set up and auto pymt a 5 days after the due date, but there it is reporting as LATE ONE TIME.
Same thing for a First Premier acct -- I've been told this CCC is difficult to get a response from a GW letter? Any truth or advice to this one?
06-19-2012 12:38 PM
I called again using one of the backdoor numbers posted on the forum and got someone who was willing to work with me. They are removing the 30 day late! It seems like a crapshoot, depending on who picks up the other line. The guy was really nice and sympathized with my situation. I am NEVER ever going to let any of my accounts become delinquent again. I have it on autopay now, and I'm setting up gmail to remind me to pay early. I wish I'd done that in the first place so I wouldn't have had to go through all this stress!
06-19-2012 12:41 PM
I just setup MS Office reminder as well as text alerts. I calculated how much I had to pay in late charges/etc and the amount of money I wasted was ridiculous.