CLI denial due to late, cap 1

[Anonymous]

Weird situation, I've been getting CLIs on my cap 1 cards since first one I opened in July. Now, on my new Venture which I put about 3500 through in the past 2 months is denying me due "One of my capital one accounts have a recent 60 day late."

Now my issue with this is that the rep I spoke to insist I have an excellent payment history and they cannot see any sort of lates being reported. I've PIF multiple times in a month and usually 0 when statement cuts.

Only thing I can think of is lates from my old cap 1 cars that I had pre BK7 which was discharged in 2011. I do see an update on TU and EQ that just has status date Nov 2015, but is being reported as IIB and $0 balance.
However, on EX it does report collection and lates in 2011 also pre BK.

Any idea why this is haunting me now? Similar experiences would help, I wonder if this is a case of EO. Thanks everyone.

[UncleB]

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@Anonymous wrote:
Weird situation, I've been getting CLIs on my cap 1 cards since first one I opened in July. Now, on my new Venture which I put about 3500 through in the past 2 months is denying me due "One of my capital one accounts have a recent 60 day late."

Now my issue with this is that the rep I spoke to insist I have an excellent payment history and they cannot see any sort of lates being reported. I've PIF multiple times in a month and usually 0 when statement cuts.

Only thing I can think of is lates from my old cap 1 cars that I had pre BK7 which was discharged in 2011. I do see an update on TU and EQ that just has status date Nov 2015, but is being reported as IIB and $0 balance.
However, on EX it does report collection and lates in 2011 also pre BK.

Any idea why this is haunting me now? Similar experiences would help, I wonder if this is a case of EO. Thanks everyone.

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If you've genuinely had no late payments on a Capital One account, it seems like there might be a glitch somewhere.  The update of your BK on TU shouldn't be making a difference one way or another, since the reason being used for the denial would be driven by Capital One's internal records, not a CB report.

If a front-line CSR is unable to help, IMO I would give a shout-out to the EO... this is the type of thing they are around for. 

Good luck, and let us know how it goes!

[Aahz]

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UncleB wrote: 

If a front-line CSR is unable to help, IMO I would give a shout-out to the EO... this is the type of thing they are around for. 

Good luck, and let us know how it goes!

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+1

[Anonymous]

Sounds like a glitch. I posted about the same thing yesterday.

[Anonymous]

Great that's exactly what I'm thinking as well. I'll send an email off to EO at some point. Appreciate the help.

[Dalmus]

Same exact thing happened to me two months ago.  Auto CLI rejected me because of recent a late payment (I haven' t had a late payment on anything since my BK in 2009).  You should do fine when you call or email the EO.

[Anonymous]

Sent an email off to them this morning, just to confirm I'm using the correct address - the one I found is directly to the CEO, that's correct right?

[Anonymous]

Lol I literally just posted identical post before I saw yours. Same exact thing happened on my Venture yesterday. Weirdness.

[Dalmus]

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@Anonymous wrote:

Sent an email off to them this morning, just to confirm I'm using the correct address - the one I found is directly to the CEO, that's correct right?

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 Yes, that's the email I used.   I highly doubt it really goes to the CEO, but a nice lady identifying herself as calling from the EO called me back the same day I sent the email.

[Cotton_Britches]

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@Dalmus wrote:

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@Anonymous wrote:

Sent an email off to them this morning, just to confirm I'm using the correct address - the one I found is directly to the CEO, that's correct right?

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 Yes, that's the email I used.   I highly doubt it really goes to the CEO, but a nice lady identifying herself as calling from the EO called me back the same day I sent the email.

Did she approve the CLI during the call?