topic Re: Capital One says I'm dead in Credit Cards

Capital One says I'm dead

army88m — Mon, 30 Mar 2015 16:36:58 GMT

So, my first ever credit card was Capital One. I called to pay my bill and was told I couldn't, my account was closed and I was reported deceased. I sent verification from Social Security Administration proving I was alive. Still got nowhere and am still arguing with them. They show a 30 days past due amount and deceased on my transuinion report. I am now unable to access my Experian or Equifax report. I called Equifax and got ahold of a live person and they are disputing it and say I should be able to check my report but it may take a few hours. Experian on the other hand has no one to help me and I need a 10 digit report number to talk with anyone. I am completely exhausted with this and was wondering if any of you have ever experienced this. Also, do any of you know a number I can call to reach Experian? I am going to type a letter and send a copy of the Social Security letter verifying I am alive via certified mail and hopefully get it resolved that way if necessary. Sorry for rambling, but this is INSANITY!!!!! I don't even know if Capital One will reopen my account or remove the derogatories. I'm thinking I may have to sue them.

Re: Capital One says I'm dead

Anonymous — Mon, 30 Mar 2015 16:46:46 GMT

Hate to say this but the three major credit bureaus will not win any awards for being consumer friendly. May have to beat them over the head. Terrible situation to be in. Wonder who reported you as deceased? Credit seems to be the most logical illogical business. Good luck!!!

Re: Capital One says I'm dead

Anomalous — Mon, 30 Mar 2015 17:41:34 GMT

Wow! I sincerely hope you get this resolved quickly. Do you share a common name with a deceased family member? I've heard of issues arising because of that.

Re: Capital One says I'm dead

onstar — Mon, 30 Mar 2015 17:49:57 GMT

When did you die?

What's it like on the other side?

On a more serious note, I wonder how you can fix this. It's not like there is a Non-Dead Certificate you can send them.

Re: Capital One says I'm dead

Callandra — Mon, 30 Mar 2015 17:58:59 GMT

@Anomalous wrote:
Wow! I sincerely hope you get this resolved quickly. Do you share a common name with a deceased family member? I've heard of issues arising because of that.

I was thinking that could be the reason too...or have you pulled your reports lately? There's nothing on there that belongs to anyone else (who could be the dead one)?

Hope you get this sorted out quickly! (And welcome back to the Land of the Living)

Re: Capital One says I'm dead

mitchblue — Mon, 30 Mar 2015 18:05:51 GMT

I know stuff peorodically shows up on My Mom's CR that's from my sister..going on for years. She's even married now and has a different middle name..It's a pain in the ass to fix..

Re: Capital One says I'm dead

Ups77 — Mon, 30 Mar 2015 18:14:22 GMT

Thats insane and someone should be held accountable.

Re: Capital One says I'm dead

ScoreOrBeScored — Mon, 30 Mar 2015 19:09:36 GMT

Go to EXPERIAN site and or the free annual credit report. Com or whatever da site is. And request your free copy of your report.if it will allow u too

and it give you a report number. Don't know if your able to pull a report or not.

sorry, I don't know how to help, never experienced death before. Lol JK.

EDIT : Just realized you said you can't access them.

Re: Capital One says I'm dead

Anonymous — Mon, 30 Mar 2015 19:21:54 GMT

Are you 100% sure you're not dead?

Re: Capital One says I'm dead

Turbobuick — Mon, 30 Mar 2015 19:28:26 GMT

There was an episode of 60 Minutes about folks declared dead. It aired a few weeks ago. It looked to be a mess though theirs was thru Social Security. Hopefully yours hasn't gotten to that point. Sorry and good luck.

Re: Capital One says I'm dead

DaveInAZ — Mon, 30 Mar 2015 19:31:36 GMT

A letter from your employer confirming you are currently employed with them might be a helpful thing to include with the Soc Sec letter.

I got sick of AARP sending me solicitations to join months before I even turned 50, and then when I moved twice they found me really fast. So I wrote "Deceased, return to sender" on one of their letters and they gave up on me. I don't think I'll do that again though, never know who they might forward that info to.....

Re: Capital One says I'm dead

lg8302ch — Mon, 30 Mar 2015 19:33:37 GMT

With my impatience I am not sure if I could hold back posting public on their FB page about what happended and see if that is not the quickest way to get Cap1 attention. Short but with facts only that I am not allowed to pay my bills because I am dead according to Cap1 or something similar like that.

Sorry OP..this is a nightmare !

Re: Capital One says I'm dead

army88m — Thu, 02 Apr 2015 02:22:15 GMT

Yes, I have the same name as my father. I also purchased my home from my mother a few years ago so my address is the same as his was. Capital One is the one that started this mess, equifax told me that. Plus, they are the only creditor to close any account of mine. Equifax told me once a creditor reports deceased they close the report so id thiefs cannot ruin a dead persons name or credit.

Re: Capital One says I'm dead

Anonymous — Thu, 02 Apr 2015 03:20:41 GMT

@army88m wrote:
Yes, I have the same name as my father. I also purchased my home from my mother a few years ago so my address is the same as his was. Capital One is the one that started this mess, equifax told me that. Plus, they are the only creditor to close any account of mine. Equifax told me once a creditor reports deceased they close the report so id thiefs cannot ruin a dead persons name or credit.

If I'm dead, I don't think I'd care much if my credit gets ruined, after all I'm dead, unless... I get resurrected 😆

Re: Capital One says I'm dead

wacdenney — Thu, 02 Apr 2015 03:24:53 GMT

Sorry to hear about your passing and sorry for your family's loss...

Do you have any life insurance??? Being dead might not be so bad. lol

Re: Capital One says I'm dead

Imperfectfuture — Thu, 02 Apr 2015 04:26:33 GMT

@onstar wrote:
When did you die?
What's it like on the other side?

On a more serious note, I wonder how you can fix this. It's not like there is a Non-Dead Certificate you can send them.

Was wondering, will it be a cheap funeral?

Also serious, I am sorry OP. Why can't the executive office of capital one help you out?

Re: Capital One says I'm dead

Anonymous — Thu, 02 Apr 2015 04:33:26 GMT

Wonder if you can charge your funeral expenses to your CrapOne account?

Re: Capital One says I'm dead

Anonymous — Thu, 02 Apr 2015 04:36:27 GMT

While you're dead, you should go on an app spree.

Re: Capital One says I'm dead

Anonymous — Thu, 02 Apr 2015 04:41:11 GMT

@Anonymous wrote:
While you're dead, you should go on an app spree.

Silly flagdownrr, zombies can't apply for credit cards 😁

Re: Capital One says I'm dead

Anonymous — Thu, 02 Apr 2015 04:44:28 GMT

@Anonymous wrote:
@Anonymous wrote:
While you're dead, you should go on an app spree.
Silly flagdownrr, zombies can't apply for credit cards 😁

Maybe Zombies in Indiana or Arkansas. In the rest of the country they still can!