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Established Member
SoDenied
Posts: 51
Registered: ‎11-01-2011

Capital One ... :(

I refuse to say I give up...

 

but I'm defeated.

 

Capital One is killing me. They won't budge one bit....

 

I'd like to try the email route if anyone can help me.

 

any advice would rock...

 

thanks...

533 542 533
Valued Contributor
discernment
Posts: 1,142
Registered: ‎09-01-2011

Re: Capital One ... :(

Did you call 800-889-9939 or 800-625-7866 and speak to an account specialist?  



Husband's Current Score: EX 691 CUSC; EQ 694; TU 687; Mine: EX 773 (AMEX); EQ 720; TU 750
Wallet Contents: SECURED: Capital One Platinum Mastercard, US Bank Harley Davidson Visa, USAA Bank American Express;
UNSECURED: Chase Freedom; USAA Cash Rewards World Mastercard, Discover More, CUSC Platinum Rewards Visa, American Express Zinc, American Express Blue Cash Preferred, Amazon Card, Walmart Discover Card
Established Contributor
mAndrew1980
Posts: 700
Registered: ‎08-26-2011

Re: Capital One ... :(

What is the situation? Killing you with a CO collection on your credit report? Or killing you by denying you a credit card?

Transunion: 694 FICO (11/17/2013) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



Established Member
SoDenied
Posts: 51
Registered: ‎11-01-2011

Re: Capital One ... :(

It's been sold 3 times, no one wants to tell me who currently owns it. The current owner is not reporting it.

and every DV letter I found sounds so threatning that I think they will ignore my PIF/PFD request.

 

I just want to PIF/PFD/GW them. and I can't

 

I'm tired of calling and getting transfered. I don't want to wake the WRONG sleeping giant.

 

 

 

 

would an collection specliaist retract it as a right off and allow me to resolve it with them ?

533 542 533
Moderator Emeritus
MarineVietVet
Posts: 14,084
Registered: ‎07-14-2009

Re: Capital One ... :(


SoDenied wrote:

It's been sold 3 times, no one wants to tell me who currently owns it. The current owner is not reporting it.

and every DV letter I found sounds so threatning that I think they will ignore my PIF/PFD request.

 

I just want to PIF/PFD/GW them. and I can't

 

I'm tired of calling and getting transfered. I don't want to wake the WRONG sleeping giant.

 

 

 

 

would an collection specliaist retract it as a right off and allow me to resolve it with them ?



Keep a DV letter short and sweet. Something like this is all you need:

 

"I pulled my credit bureau report, and I discovered that you claim I owe you a debt. Under FDCPA 809, send me validation of this debt."

 

"You claim I owe you a debt. In accordance with FDCPA, send me validation of this debt."

 

"I received your letter claiming I owe you a debt. Per the FDCPA, send me validation of this debt."

 

Be sure and send the letters CMRRR.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".



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