topic Re: Capital One - 30 day in Rebuilding Your Credit

Capital One - 30 day

Anonymous — Fri, 20 Apr 2018 04:40:46 GMT

Hello All,

I am at the mercy of Capital One at the moment, as I got tagged with a 30 day late. Ive had the card for 10 years and this is my only baddy on any of my reports --- all because i missed a failed authentication notification on an app i use for auto payments. The only call i got from Capital One was over a weekend, which i setup payment. I was reported on the Monday. Im not too entirely sure the best avenue to take with this, the need to compile information from the app that i use, the failed login attempts, etc. --or if it matters. Ive written letters, talked to numerous CS representatives... however; it seems policy is the familiar response. I was due to move and get a new car.. but my 3 bureaus are down about 60 points.

Tips, encouragement, or just company in misery is much appreciated.

Cheers.

Re: Capital One - 30 day

gdale6 — Fri, 20 Apr 2018 22:57:23 GMT

Contact the office of the CEO, explain what happened and ask for a goodwill on this as you have had the account for 10 yrs.

Re: Capital One - 30 day

Anonymous — Mon, 23 Apr 2018 01:02:24 GMT

Was it REALLY 30 days late? They are not allowed to report lates before the 30 day mark. Anything 29 days or less has to be filed as paid on time or paid as agreed. If it was a few days late and they are marking it as a 30 day i would dispute it with them under the fair BILLING act and get them to send me the statements of the last few months during which this occurred. (this way you now have proof for the credit reporting agencies if you need it).

Re: Capital One - 30 day

Anonymous — Mon, 23 Apr 2018 02:58:35 GMT

Start hammering away with GW letters using the Saturation Technique linked below. Many people have been able to get rid of an isolated 30 day late with CO and with your decade of stellar history I would think this would be relatively simply for you to accomplish.

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/The-Saturation-Technique-Best-GW-adjustment-odds/td-p/4727098

Re: Capital One - 30 day

Anonymous — Mon, 23 Apr 2018 19:54:50 GMT

Update: I had sent copies of letters to emails which found related to the Executive Office... A polite representative contacted me from the EO. He told me they would determine if they would do anything. Got back with me today. **no, everything stands.***....Needless to say, they really didnt account for anything around my claim, nor took any proof that this was due to autopayment access failure, and that 30 days doesnt lineup when a weekend is involved..

To clarify ...My experience here with them is... I got a call on a Saturday @ day 28 (Saturday) .. payment will not post until that Monday, deeming me 30 days late. They wont budge on this.. Im in process today to do a transfer so I'll forever be done with them... 7 year reporting with a 30 day on this situation is absurd.

Re: Capital One - 30 day

Anonymous — Tue, 24 Apr 2018 01:25:43 GMT

Keep after them with GW requests. It could take you many, many "no" responses before you get the "yes" you're looking for. Be persistent and don't take no for an answer.

Re: Capital One - 30 day

gettingsmarter — Sun, 06 Jan 2019 02:33:19 GMT

So, I’d like to offer some information. After first joining these forums over 8yrs ago I now have scores over 800 On TU and EQ and 799 EX. I was at 780 last month but was able to successfully get (2) 30 day late Capital Ones removed. I sent an email to the CEO back in the beginning of November. Never heard anything. Then, sent it again figuring wth on Dec 9. It worked. On December 28, without any response or reply BOTH 30 day lates were removed and my scores all went up over 800. Like you I had NEVER been late with any of my cards in recent years since cleaning up my credit. I had no lates except for these. I called Capital One directly to no avail. They were even willing to let me cancel my cards which was one of the threats I made telling them that I wasn’t happy. The woman on the phone literally offered to try to help me right then and there cancel them. She didn’t care. These 2 unfortunate occasions I forgot to make my payment while a family member was being treated for a serious illness. I got an alert that I forgot to pay the next day. Now as I looked at my nearly perfect record these two lates were the only blemish of any kind on my credit reports. I was determined to do everything I could.
I found the CEOs direct email by GUESSING. I googled capital one ceo and entered his first.lastname@capitalone.com
Without being specific here I think you can figure this out in about 30 seconds. Hope this helps. I was shocked when I checked my report a couple of days ago and saw the surge in Points and the complete removal of the 30 day lates! Best of luck!