04-14-2013 03:06 PM
04-30-2013 05:03 PM
I talked to Joseph on chat and he told me he would take care of it. He said he would institute a dispute and add a note to remove the sole 30-late. Yesterday I got a letter saying that it was denied so I callt the customer service and they said that they could not remove the late and the representative was out of line. I told them I had the conversation in writing. Maybe I should forward it on to the CRAs....
05-01-2013 09:28 AM
I talked to Jerome on chat with Capital One who said he'd put in a dispute with the three CRAs. I did tell him they were not inaccurate but he went ahead anyway in an attempt to remove them. He quoted up to 90 days for it to take effect. We'll see.
05-01-2013 06:29 PM
I sent a copy of my chat transcript to the fake CEO email. The same girl called me today that I have talked to every time. She is very courteous and kind but I can tell her hands are tied. She told me she received my email this morning (so I knew that the CEO thing was false). She told me that she had read the transcript and was going to pull their transcript to make sure there were not any inaccuracies. I assured her what she recieved from me was the truth. I told her that there were people saying on myfico.com that they were getting lates deleted. She said she did not think that to be true but she had no control over what was said on a website. I told her that I spoke with Equifax and they said that CapOne could delete the late from their files and then dispute the EQ file as incorrect and have it deleted. She said that neither Equifax nor the customers run CapOne that the company had made a business decision to only submit honest and true credit information to the CRAs.
She assured me that she would once again research my file but not to expect a different answer. So at this point guess I'm done with the GWing. It's only one late....
05-01-2013 06:32 PM
Scott did you get a copy of the chat session? If so, google Capital One CEO email and get the fake email of the CEO and send a copy to him if you get a denial letter in about 2 weeks. If they choose to not give deletions, which is their right, they should not be allowing their chat associates to be promising otherwise.
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