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Capital One CLI - CSR's are a joke.

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New Contributor

Re: Capital One CLI - CSR's are a joke.

" They are showing me an Equifax score of 577??? It also shows the date of the report as 1-1-2019. Even then, my score was not 577."


Maybe Cap1 Employee's pulled their reports by mistake .....Just saying


PS: I gave up on them a total of 6 HP's and no soup, i said "WUTLOL" !?!?!?!?


34 Year Credit History, Thick Head (I Mean file) only (2) 30 day lates one ready to fall off the cliff.

I have multiples of Chase, Discover,  AMEX, Citibank, BofA, Wells Fargo, USBank and other's i cant think of right now.

not sure they could be using "FICO Dinosaur1" scoring model, with a huge bucket.


sorry FSR, I know...

Message 21 of 27
Super Contributor

Re: Capital One CLI - CSR's are a joke.

Just to avoid you wasting your time and energy, the EO (CEO's office, whatever you want to call it) won't do anything with regard to CLIs. They will not manually intervene against what the computer decided. 


Just accept Capital One for what they are and what they aren't, stop trying to pull teeth with them, and use lenders who are more flexible and accomodating.

Message 22 of 27
Regular Contributor

Re: Capital One CLI - CSR's are a joke.

I'd definitely look elsewhere. Cap 1 can be a bit opaque in terms of why they do what they do, I'd suggest trying your luck with another lender, Cap 1's cards are easily replaced.

Scores as of 8/5/2019

Planning to garden until February 2020 (started Jul 25 2019)

Message 23 of 27
Valued Contributor

Re: Capital One CLI - CSR's are a joke.

Cap1 definitely uses an older scoring model, from what I heard - FICO 4 model. The newer scoring models FICO 8 and 9 have scoring that is done differently versus FICO 4. I would look up the differences and how each category is weighted differently.

Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 24 of 27
New Contributor

Re: Capital One CLI - CSR's are a joke.

Hi All, I had a missed call yesterday from a gentleman at Capital One. He did not leave a name or any type of description as to why he was calling, just a number (which was the main number) to call back at my convenience. I thought was strange but I called back and it asked for the last 4 digits of my number and then I pressed 0 for representative.


Someone came on the line and I told them I received a call from cap one with no name or reason for the call just to call back. He put me on hold for 2 minutes and came back and asked if I contacted them about a CLI. I told him yes, I emailed Mr. Firbanks, the ceo. He put me on hold again for about 3-4 minutes.


He comes back and says he just went over all of the notes in my acct and advised that I would received a 5k CLI. I still asked him about why it pulls a score 30+ days old which he could not answer and said he could not discuss credit scores/reports. I said ok, well I think that is all I needed. So, a small 5k cli from an email to ceo. Not huge but it's something.

FICO8 Scores:
EX: 686 – 4/1/2019
TU: 708 – 4/1/2019
EQ: 712 – 4/1/2019

FICO9 Scores:
EX: 682 – 4/1/2019
TU: 710 – 4/1/2019
EQ: 729 – 4/1/2019

Message 25 of 27
Established Contributor

Re: Capital One CLI - CSR's are a joke.

Holy crap! Congrats. Crazy you had to deal with that but enjoy your new line. 😊
January 2020
Experian Fico 8. 677
Transunion Fico 8. 690
Equifax Fico 8. 699

Capital one QS. $600
Credit one. $300. (Soon to close )
Capital one QS1. $2250
Discover IT Cashback. $11,500
PNC cash rewards signature Visa. $12,500
Chase SW rapid rewards signature visa $6900

All cards opened between Oct 2018. - Nov 2019

Income varies. $60,000 - 80,000
Message 26 of 27
Community Leader
Mega Contributor

Re: Capital One CLI - CSR's are a joke.

Lol, 5k increase with anyone isnt a joke, from an email to a ceo, id call that super fantasticSmiley Happy
#ChaseCreditCardHobby Enthusiast
Message 27 of 27
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