Weird denial?

[Anonymous]

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@Anonymous wrote:

It almost sounds like Capital One is taking legal action against you. You may be a victim of identity theft.

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Definitely got that vibe after Googling the phone number they had me call. 

Quick question, though. Would that not have popped up on my CR? 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

It almost sounds like Capital One is taking legal action against you. You may be a victim of identity theft.

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Definitely got that vibe after Googling the phone number they had me call. 

Quick question, though. Would that not have popped up on my CR? 

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Their letter said they didn't even pull your CR. I would probably write EO.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

It almost sounds like Capital One is taking legal action against you. You may be a victim of identity theft.

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Definitely got that vibe after Googling the phone number they had me call. 

Quick question, though. Would that not have popped up on my CR? 

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Judgements don't show up on your credit report unless and until you lose the case in court. Whatever it is probably hasn't reached court yet, especially since you say nothing is showing on your court website.

[Anonymous]

Sorry to hear about your Cap One situation.A few months ago, before ai discovered this forum, I found a Cap One on my credit report. Zero balance, but it was there.

I disputed the record, and within a month it got removed. I was using Credit Karma then.

Good luck!

[Meanmchine]

Last guess for me ...... Any unpaid traffic tickets or court fines, property taxes?

I cant think of anything else.  Please post what it ws when you find out

[DaveInAZ]

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@Meanmchine wrote:

Last guess for me ...... Any unpaid traffic tickets or court fines, property taxes?

I cant think of anything else.  Please post what it was when you find out

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Not a bad guess. I was declined for credit in the 90's, I was app'ing in the bank branch so the guy told me it was because a collection from my alma mater, C***ell University. I couldn't imagine what that was for, so I called them - an unpaid traffic ticket for $25! After paying them tens of thousands of $$$ in tuition they put a collection on my CR for a lousy $25 ticket. I mailed them a check for their precious $25, and ever since every alumi letter from them goes straight in the trash.

[Anonymous]

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@DaveInAZ wrote:

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@Meanmchine wrote:

Last guess for me ...... Any unpaid traffic tickets or court fines, property taxes?

I cant think of anything else.  Please post what it was when you find out

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Not a bad guess. I was declined for credit in the 90's, I was app'ing in the bank branch so the guy told me it was because a collection from my alma mater, C***ell University. I couldn't imagine what that was for, so I called them - an unpaid traffic ticket for $25! After paying them tens of thousands of $$$ in tuition they put a collection on my CR for a lousy $25 ticket. I mailed them a check for their precious $25, and ever since every alumi letter from them goes straight in the trash.

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Well. At least you've confirmed that they've been stingy since the 90s and it wasn't jus tme. They charged me over $50 for ONE missing screw in a chair in my dorm room. 

Anyway. I hope it's not identity theft for you and just a case of an incorrect entry.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

It almost sounds like Capital One is taking legal action against you. You may be a victim of identity theft.

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Definitely got that vibe after Googling the phone number they had me call. 

Quick question, though. Would that not have popped up on my CR? 

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Did you get it figured out?

[Anonymous]

I don't think high security prisons have internet access.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

It almost sounds like Capital One is taking legal action against you. You may be a victim of identity theft.

---

Definitely got that vibe after Googling the phone number they had me call. 

Quick question, though. Would that not have popped up on my CR? 

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Did you get it figured out?

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I did. It was an identity theft issue. They said I had a credit card back in 2008, I wasn’t even old enough to have one. It was probably on my credit report when I was ignorant to credit and has fallen off.