Capital One just screwed up my account today.

[HiiiPoWeR]

I called Capital One today for a simple card replacement and the rep accidentally closed my entire credit account, and it can't be reopened because the rep reported as fraudulent. I spoke with the manager over at the fraud department and they apologized on behalf of the rep and said they will have to open a new account with a NEW TRADELINE sometime next week. My score is about to take a big hit because this was my oldest & largest credit line.

[CreditCuriosity]

Sorry about the mess up, what a bummer!  I would try to get it escalated to a supervisor if they indeed made the mistake.  The account will still report for 10 years so you won't take a huge hit unless your utilization sky rockets due to losing available credit.  Hopefully call back and try to have it reinstated as sounds like they made the mistake and Cap1 has opened cards in the past for people even if they closed them(being customer up to some time period) as they did this for me years and years ago, but obviously policies change possibly. 

[thornback]

Yeah... ^^ agree with above; escalate this up to the supervisory level at least...

[M_Smart007]

Sorry OP,   ..That is horrible. I guess for any card replacements I will try to do online if possible.

I would go with what CC said about escalating to a Supervisor.

sure hope it works out for you.

[HiiiPoWeR]

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@CreditCuriosity wrote:

Sorry about the mess up, what a bummer!  I would try to get it escalated to a supervisor if they indeed made the mistake.  The account will still report for 10 years so you won't take a huge hit unless your utilization sky rockets due to losing available credit.  Hopefully call back and try to have it reinstated as sounds like they made the mistake and Cap1 has opened cards in the past for people even if they closed them(being customer up to some time period) as they did this for me years and years ago, but obviously policies change possibly. 

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Thanks, but no, they are removing the entire tradeline from my credit report and there is nothing they can do about it but create a new tradeline with a new account according to the manager in the fraud department. 

[FortifiedHM]

doesn't closed account stay on your CR for 10 years?

[CreditSweeper]

Where there is a will, there is a way. I think you just need to find someone that wants to help you. It might be the EO. Run of the mill CapOne employees, even supervisors, don’t seem to be empowered to do much. I wouldn’t give up.

If all else failed, I’d just tell them to leave it closed and that I wasn’t interested in having their card in my wallet anymore.

[AverageJoesCredit]

Sorry Op

I would love to see the transcript of this phone convo that got asking for a card replacement to result in a fraudulent card being suspected , closed, and account being taken entirely off a credit report! Overkill and a half and holy fico what power that CSR has.

[CreditCuriosity]

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@HiiiPoWeR wrote:

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@CreditCuriosity wrote:

Sorry about the mess up, what a bummer!  I would try to get it escalated to a supervisor if they indeed made the mistake.  The account will still report for 10 years so you won't take a huge hit unless your utilization sky rockets due to losing available credit.  Hopefully call back and try to have it reinstated as sounds like they made the mistake and Cap1 has opened cards in the past for people even if they closed them(being customer up to some time period) as they did this for me years and years ago, but obviously policies change possibly. 

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Thanks, but no, they are removing the entire tradeline from my credit report and there is nothing they can do about it but create a new tradeline with a new account according to the manager in the fraud department. 

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This doesnt make any sense.  I would be calling back..  Why would they remove the tradeline that make no sense at all as that isnt accurate reporting...

[dberryhill]

Correct. Removal of the tradeline would violate accurate reporting laws. I would escalate to your AG if this truly is the case.