topic Re: Capital One Dispute Letter Advice in Rebuilding Your Credit

Capital One Dispute Letter Advice

Anonymous — Sat, 10 Nov 2018 22:20:35 GMT

Hello,

I have 2 missed payments from Capital One, one on each of my 2 credit cards. There from Annual Fees they charged me while I was away on a deployment, as well as some Pending Charges that weren't present when I had left.

I called them before I left and told them I was being deployed, even tried paying the fees and everything months in advance. But they said they'd take care of it for me, and I was all good.

So I called them about it a few times, and they said I'd have to mail in my dispute to them, along with supporting documentation. Here's the letter I was going to mail to them, using "certified mail receipt". (I figured since they have to sign it when its recieved, they couldn't deny ever getting the letter in the mail, if something like that arose, and I'd know when it was recieved)

What do you think? https://imgur.com/a/BT8ZmuM

Re: Capital One Dispute Letter Advice

RobertEG — Sat, 10 Nov 2018 22:23:11 GMT

The consumer is responsible for knowledge of their own charges, and the FCBA requires periodic (mormally monthly) billing statements if there is a balance.

Reporting of lates is then based on whether the min payment is received prior to 30 days after the billing due date set in the billing statement.

Did they send a billing statement providing a billing due date?

Re: Capital One Dispute Letter Advice

Anonymous — Sat, 10 Nov 2018 22:31:28 GMT

It was back in Nov of 2017 when it happened.

I had a lot going on, selling my home, moving, selling vehicles so my memory is kind of foggy unfortunantly.

I never recieved any statement in the mail, and couldn't see anything electronically since I had literally no contact with the outside world for almost 9 months. These were also the only 2 missed payments I've ever had with them over the years. I'm sure there was a mistake.

At this point would tying it to a goodwill letter be better suited, or is the try worth it still?

Re: Capital One Dispute Letter Advice

FireMedic1 — Sun, 11 Nov 2018 00:40:21 GMT

Thanks for your service. If they asked for your orders and they match that you were deployed during the arrival of the lates. Hopefully they have a heart and grant your request. GL!!!!

Re: Capital One Dispute Letter Advice

Anonymous — Sun, 11 Nov 2018 00:46:19 GMT

Thank you for your support, greatly appreciated.

They told me I could send in any proof I could use for my case, so I was going to include my orders.

Do you think the letter would be okay to send in, or should I change it up?

Re: Capital One Dispute Letter Advice

Anonymous — Sun, 11 Nov 2018 00:46:48 GMT

Re: Capital One Dispute Letter Advice

Sadie5150 — Sun, 11 Nov 2018 06:10:35 GMT

Yes, send in your orders to confirm what you are telling them is truth. My cousin was deployed for a few months and knew when he left, that he had a balance owing to Cap 1. He sent in what he thought was his balance, however, less than $100 remained and went late for 3 consecutive months. Through a family member, he was able to get them a copy of his orders, and it was given to Cap 1. They mailed him a letter, stating that all late charges were being credited, and a "good will" adjustment would be made with the credit bureaus. They even thanked him for his service and look forward to a long credit relationship with him. I thought that was amazing. The letter was defintely not a bulk response, rather one that was very personal and showed compassion.

Thank you for your service

Re: Capital One Dispute Letter Advice

Anonymous — Sun, 11 Nov 2018 06:41:26 GMT

Wow that's awesome to hear, maye there's some hope afterall.

Did your cousin use a specific address to mail in his orders, or how did he go about getting it to them?

They told me to mail everything into there Credit Disputes address if I want to try and challenge it.

I also just found this link - https://www.elliott.org/company-contacts/capital-one-financial-corporation/ - and sent over an email to the executive department with my orders. Should I try mailing a letter in too or just waiting?

And Thank you for the support, greatfully appreciate it.

Re: Capital One Dispute Letter Advice

Sadie5150 — Sun, 11 Nov 2018 06:50:06 GMT

I'm not sure of the address, but yes, it was the disputes dept. They had him include a letter regarding the exact phone conversation they had. It needed to include his Name, account number, DOB, and reference the date of conversation with customer service. They were adding notes on their end. Once Cap received it, they processed and sent him a copy of their decison for his records. He went to check his credit reports and they had already been deleted. I can get you the address on Monday if you still need it. I think you have an excellent chance of getting those reversed.

Re: Capital One Dispute Letter Advice

Anonymous — Mon, 12 Nov 2018 21:59:32 GMT

@Sadie5150 wrote:
I'm not sure of the address, but yes, it was the disputes dept. They had him include a letter regarding the exact phone conversation they had. It needed to include his Name, account number, DOB, and reference the date of conversation with customer service. They were adding notes on their end. Once Cap received it, they processed and sent him a copy of their decison for his records. He went to check his credit reports and they had already been deleted. I can get you the address on Monday if you still need it. I think you have an excellent chance of getting those reversed.

Okay that's funny, they told me pretty much the same thing too.

And also to include the same information as well. Except I don't think they offered to add in any notes about my conversation with them.

If you could get me that address, I'd greatly appreciate it.

It's been tough trying to get this thing worked out!

Re: Capital One Dispute Letter Advice

Sadie5150 — Tue, 13 Nov 2018 04:07:30 GMT

I'm sure they will be more than willing to help you out. Here's the address that his info was sent to:

Captial One.

Attn: Disputes

PO Box 30279

Salt Lake City, UT. 84130-0279

Re: Capital One Dispute Letter Advice

Anonymous — Tue, 13 Nov 2018 04:30:45 GMT

@Sadie5150 wrote:
I'm sure they will be more than willing to help you out. Here's the address that his info was sent to:

Captial One.
Attn: Disputes
PO Box 30279
Salt Lake City, UT. 84130-0279

Appreciate it! The address the lady gave me was (below). Do you think I should send one to both?

Capital One
Credit Disputes
P.O. Box 30281
Salt Lake City, UT 84130-0281

Re: Capital One Dispute Letter Advice

Sadie5150 — Tue, 13 Nov 2018 20:33:19 GMT

I would probably go with the address that they gave you. If you send to both and two different reps start working on it, it may cause issues.

Re: Capital One Dispute Letter Advice

Anonymous — Wed, 14 Nov 2018 18:05:47 GMT

@Sadie5150 wrote:
I would probably go with the address that they gave you. If you send to both and two different reps start working on it, it may cause issues.

Good idea. Thanks!