topic Re: Capital One in General Credit Topics

Capital One

Anonymous — Sun, 08 Oct 2017 06:48:38 GMT

Capital One hasn't updated on any of CB's since August

should I dispute it ?

Re: Capital One

Gidgetmom — Sun, 08 Oct 2017 09:15:46 GMT

Same here. No September update on my reports or DH's. Strange.

Re: Capital One

JGGM — Sun, 08 Oct 2017 13:07:10 GMT

Saw this,so I checked mine.....same thing last update on both accounts was in August.

Re: Capital One

Anonymous — Sun, 08 Oct 2017 14:01:13 GMT

I don't think this is disputable. Capital One can decide on their own if they want to report something or not.

Re: Capital One

EW800 — Sun, 08 Oct 2017 14:06:05 GMT

I believe ALK is correct, I don’t think there is any requirement as to how often they report.

Re: Capital One

Moneyklutz — Sun, 08 Oct 2017 15:40:28 GMT

I guess I'm the oddball here... my normal weekly update worked fine this morning and did so without issue through the month of Sept.

Did any of you that are not seeing updates, lock down/freeze your TU account back when the EQ debacle hit?

Re: Capital One

RobertEG — Sun, 08 Oct 2017 17:54:11 GMT

While a decision to initially report to a CRA is voluntary, once a creditor has reported information, they thereafter bear the responsibility under FCRA 623(a)(2) to "promptly" update any information as necessary to maintain its current accuracy. Thus, the issue becomes whether there are any changes in reported information that require update.

The FCRA does not set a specific period, such as monthly, for update of reporting, as need for update is triggered by when they become aware of a change, and thus there is no set date upon which to base a determination of specific period.

Section 623(a)(2) chooses to use the broader term of "prompt" update, which is subjectiive.

A reasonable interpretation of "prompltly" would be in their next regular reporting cycle after they are clearly aware of the change.

If information has clearly changed and the creditor is shown to be aware of the change, such as depositing a payment, and no "prompt" update is filed, such as the passage of several normal monthly reporting cycles, then a consumer could support a dispute based on lack of compliance with FCRA 623(a)(2).

Lack of update since August could be reasonable if a change did not become known until late August, and was not forwarded to their reporting department prior to their regular September update. I would wait at least two months before asserting a presumed violation of the broad and subjective "promptness" standard of section 623(a)(2).

Re: Capital One

lch4 — Sun, 08 Oct 2017 18:39:45 GMT

Same here. My last report was August. I contacted Capital One this morning about it. I was told my September cycle ending date balance will be sent to CRA.

Re: Capital One

JGGM — Sun, 08 Oct 2017 22:23:27 GMT

@Moneyklutz wrote:
I guess I'm the oddball here... my normal weekly update worked fine this morning and did so without issue through the month of Sept.

Did any of you that are not seeing updates, lock down/freeze your TU account back when the EQ debacle hit?

No, none of my reports are frozen. I just figured it was a glitch in their system - not really a big deal. I just assume they'll update it at some point soon.

Re: Capital One

Gidgetmom — Sun, 08 Oct 2017 22:57:36 GMT

No freeze here. I'm not concerned. I just thought it was odd. Curiosity has me wondering....

Re: Capital One

Moneyklutz — Sun, 08 Oct 2017 23:14:33 GMT

Well huh then

*...tosses logic out the window...*

Sunspots! has to be sunspots I say

Re: Capital One

Anonymous — Wed, 11 Oct 2017 02:20:54 GMT

I haven't gotten an update either for the month of September . I called and the 1st rep said it was because i had changed my payment date. I waited a couple of weeks and spoke to another rep via the chat option and he/she said they had no idea why it hadn't updated. I hope it updates soon since i had a balance the last time and have paid it down to 0 since then.

Re: Capital One

pizza1 — Tue, 10 Oct 2017 14:18:08 GMT

@Anonymous wrote:
I haven't gotten an update either for the month of September . I called and the 1st rep said it was because i had changed my payment date. I waited a couple of weeks and spoke to another rep via the chat option and he/she said they had no idea why it hadn't updated. I hope it updates soon since i had a balance the last time and have paid it down to 0 since then.

Could you change your font please to one thats more readable, and easier on everyone's eyes?

Re: Capital One

Anonymous — Tue, 10 Oct 2017 14:23:59 GMT

Yes. My apologies. I’m on my smartphone and my font looks the same as everyone else’s but when I log in online it looks a mess.

Re: Capital One

Anonymous — Tue, 10 Oct 2017 14:29:31 GMT

my quicksilver card hasn't reported in over 2 months and my mothers cap one card is the same way....I was a AU on my mothers card to help buy the things she needs and they totally removed me off of equifax completely....

Re: Capital One

Anonymous — Tue, 10 Oct 2017 14:36:08 GMT

Both my Capital One credit cards reported fine in September. Zero issues.

One of them should report again any day now, will update if it doesn't.

Re: Capital One

Anonymous — Tue, 10 Oct 2017 16:02:32 GMT

I never had an issue with cap one reporting before until now....but i have seen many more people like me so I guess this might have something to do with the equifax breach....my equifax report keeps going dark for weeks and then will refresh then go dark again not allowing me to see it. and Cap one AU just stopped reporting on my equifax all together kinda strange. but this seems to be a common thing with Cap one the past few months.

Re: Capital One

Anonymous — Tue, 10 Oct 2017 23:11:19 GMT

@Anonymous wrote:
I never had an issue with cap one reporting before until now....but i have seen many more people like me so I guess this might have something to do with the equifax breach....my equifax report keeps going dark for weeks and then will refresh then go dark again not allowing me to see it. and Cap one AU just stopped reporting on my equifax all together kinda strange. but this seems to be a common thing with Cap one the past few months.

Today I finally received a new statement since August for November with a new statement date (went from due on 14th to due on the 6th) so maybe I'll have an update later on this month or sometime next month.

Re: Capital One

Anonymous — Wed, 11 Oct 2017 01:11:21 GMT

Changing your due date will cause you to skip a month statement usually.

Every card I've changed a due date on from every bank has missed a month. Normal.

Re: Capital One

Anonymous — Mon, 16 Oct 2017 10:55:52 GMT

has capital one update your october statement to all 3 CB yet ?