I started my EO manual review today for a recent denial based on "too many inquires." I had 4, obviously not too many. You can reach the EO, you just call the number referenced in the original post and then you get transfered to a senior supervisor who then takes 20 minutes and everntually transfers you to the EO who then input for a manual review to be done and then tell you it will take two weeks and likely another HP, but they address your concerns like you'd do on a recon call and document for the manual underwriter. And then in two weeks you get a decision. It is far easier to recon with other banks. I just recon'd a BofA flat denial in their system for previous BK / losses into an approval for $5k with one call. Have done same with Barclays and others, but Capital One is a harder fish to fry, however, it can be done. The process is just longer. I like the bank less and less as it is very hard to get anything done with them like CLI and upgrading cards unless you have perfect credit. Note: I started with a secured account early last year, closed it after I got a QS1 (with a terrible APR and $500 CL), and now am transitioning to regular QS with a decent rate and terms and CL. This whole period has been about a year. We will see how it goes. I had to settle a Capital One account many years ago and it still reports as "paid for less" so the bank has been harder to deal with, but there are perks to having a decent card there.
