topic Re: Capital One unable to locate closed account. in Rebuilding Your Credit

Capital One unable to locate closed account.

Anonymous — Wed, 18 Jun 2014 02:23:23 GMT

I previously had a CapOne Platinum MC. It was open from early 2010 to late 2011. I currently have a CapOne Platinum MC with a different account number.

While checking my credit report a few months ago I saw that CapOne is reporting my PREVIOUS account as “past due 30 days.” I have called CapOne multiple times and they are unable to locate the account. They informed me that the account can only be accessed by the back offices that do not talk to customers. I submitted a dispute for the report and received a very generic letter in the mail 10 days later from CapOne that said “past due status of your account was accurate” without any justification or proof. The letter says if I have questions to call 800-955-7070. When I call they still cannot locate the account. I was told that I should submit a request for statements if I want justification and they would be in my mailbox in 7-14 days. Submitted request for statements, 17 days later no statements. I call back and they say they were unable to find the account and that’s why statements were not sent. They said that I would need to submit another request for statements to the archive department via fax or mail. I am doing that first thing tomorrow morning.

My end goal is to get this removed, obviously, as it is the ONLY negative item on my credit report. So I have a few questions…

If I get the statements and it shows I was 30 days past due, accurately, can I plea to have it removed as I am current customer in good standing?

If I get the statements and it shows I was NOT past due, how would I fight it?

If I don’t get statements again, what should my next course of action be?

Re: Capital One unable to locate closed account.

lonelyisland — Wed, 18 Jun 2014 03:28:25 GMT

Btdt.If you call the EO, they will be your connection to the back office. Good luck!

Re: Capital One unable to locate closed account.

Anonymous — Wed, 18 Jun 2014 05:37:37 GMT

Do you have anything in writing from them saying they were unable to locate your account? If so, I would include that in a dispute with the CRA. The recommendation to contact the EO is a good one!

Re: Capital One unable to locate closed account.

NikoD — Wed, 18 Jun 2014 14:35:37 GMT

I recently wanted info (for a different reason) on a closed Cap1 account. They couldn't locate my account either. I emailed the EO and I got a call back in about 2 days. They were able to locate my account and give me the answers I was looking for. BTW my account was a lot older than yours but they were still able to find it.

Re: Capital One unable to locate closed account.

Anonymous — Sat, 21 Jun 2014 00:42:06 GMT

I have an email from Capital One saying that they couldn't find the account. Who/What is EO, and how would I contact them?