Possible to get Cap One CLI by talking to a human being?

[Anonymous]

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@Anonymous wrote:
and my post wasn't directed at you... i said that twice.

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Then don't post on his thread...

[Anonymous]

it was general information. you're welcome.

[gdale6]

It is interesting that they are saying there is a problem with TU on the CLI as they typically look to EQ for their SPs. I would wait another month and then try again with the online request and if the same problem persists the go ahead and contact the EO on the problem. You want to make sure you dont have your TU frozen when you make the request.

[Ghoshida]

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@Anonymous wrote:

So I've had my Capital One card for 13 months now.  Started with a $3k limit and at about 6 months they raised it to $3500 without me asking.  At around 9 months in I requested a CLI via their online request method and it was denied, basically suggesting my most recent CLI wasn't long enough ago.  When I hit the 1 year mark last month I tried requesting a CLI using their online method as well as their automated phone method and both times I got back an odd response saying I wasn't getting a CLI because "credit bureau information missing or unavailable."  I called CS, they said that means there's a problem accessing my TransUnion report, so call TransUnion.  I call TransUnion, they say there is absolutely nothing wrong with my report at all and that anyone can access it just fine.  I call back Capital One, they said to just keep requesting a CLI and hopefully it will work.  So I tried again, same response.  I call CS again and ask if there's a human being I can speak to regarding a CLI and they say no, it has to be done using the online method or automated phone method.  Is this really the case?  Has anyone ever gotten a CLI via a phone call with Capital One, and if so could you provide me with number/contact to do so?  This is very frustrating...

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Are you on social media? Write to them - i.e. send a message - on either Facebook or Twitter, and they'll get back to you. Sometimes the first message can be the same as the frontline CSR; i.e. they'll tell you the same thing as the one over phone / chat. But be persistent and they'll send it one level up. 

While they seem to have moved the most enthusiastic social CS reps away from frontline social media, they're still there in the hierarchy a couple levels up it seems. Once you get through to them, they'll be happy to help you out.

If you're using twitter, mention only your problem, don't give away any personal info such as card #, social # etc. They'll ask you to message them directly (DM) where you can provide them with the last 4 of your card # and your phone number to call. 

The rule of thumb is for you to wait for their call. 

[Anonymous]

I've got FB, no Twitter.  I guess I'll try reaching out through that and see what happens.

[Anonymous]

This would probably be a good thread for the OP to read:

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Capital-One-Manual-Review/td-p/4543063

[exCYter]

Email their CEO, plead your case and you will get a call back from somebody in "his office".  They will explain they can manually submit the increase request to an underwriter who will review your application.  That will take 3-4 days and then they'll mail you a letter with their decision.  I emailed them on a Friday,April 1, got a call back Monday April 4th and still haven't received the letter or noticed a CLI yet.  But when CS tells you they can't have somebody manually review your file, they're misinformed.  

[Anonymous]

gdale6, you are correct... it was not TU it was Equifax - I just got off the phone with Capital One and they informed me they cannot access my Equifax report.  What could be causing this and how can I get this fixed?  They gave me an 800 number for Equifax, 800-685-1111 and in calling it all I get is automated crap; I can't seem to talk to a human being using that number.  The quicker I get this resolved the quicker I'll get a CLI in my opinion.