Capital One Not So Helpful......Maybe....

[John060675]

OK, what in the world should I think about this?  Last week I called Capital One, and spoke to a very nice lady.  She agreed to delete my lates from my account and that she will be sending a letter stating as such to me.

Well, I received a letter from Capital One today.  It was their standard letter stating that I did not pay my minimum payments on the late dates and that if I think it was in error to send them something proving a such.  So, I suppose this means that she is actually not going to delete them after all.

So what should I do?  Should I just wait to see what is going on?  Or should I call back and hope she notated something in the file?

Thank you for your help.

[John060675]

Bump........I would really like to know your opinions.  Should I just wait and see if they actually keep their verbal word and remove the lates, or should I assume they are not removing them and call them to see what is up?  Or if you have any other ideas, then I would love to hear them.

thank you.

[Schoolbuskid]

Same thing happened to me....i completely ignored it. I just waited a few more days and called again to speak with another specialist until i got the right one who actually understood what i was trying to do.

Just keep calling.

[John060675]

Thank you for your advice.  That is what I was thinking of doing, but I just do not want to bother them too much.   They are doing me a favor (hopefully) and I just do not want to have them totally shut me down.

[noquitinme]

I had good success with Capital One in this regard.  When you call in, call to speak with a supervisor.  Explain that another supervisor told you should would help you out with this process and explain what happened.  They're actually pretty helpful from my experience.  

[John060675]

Ok, so I called and asked for a supervisor per noquitinme's advice, and he (Antonio) stated that the notes still showed that the account would be updated to the CRA's to show no lates.  That is a huge relief.  After receiving the letter stating that they were not going to remove them, I was worried.

So now the waiting game is on for 60 days to see if this will be followed through upon.

[Schoolbuskid]

Yea you will be fine, and trust me it wont take the full 60 days for them to update, thats just what they are scripted to say. When i called in the lates were gone in a matter of days!  I actually just called in today, on lates they added back, they told me i would receive a letter confirming the change made and to allow 60-90 days to update.