Personally, I think Capital 1 is totally screwed up. No news there. But I, too, had 2 capital one accounts IIB. After the BK was dismissed, they decided to report the accounts as charged off, etc...I was never contacted about the debt or asked to repay it [which I gladly would have, as the amounts were totally insignificant]. I have disputed with them 9 million times [exaggeration, of course]. So, they keep changing the reports to read either charged off or current, depending on the day.
This is the good part: Yesterday, I received a letter from them that stated that they just learned of my intent to file bankruptcy and they regret having to cancel my charging privileges. WHAT?????????? The BK was filed in 2003 and dismissed in 2005. The account was closed in 2002 and I haven't had a card with them since. Anyway, now they would like me to discontinue use of my account and destroy and associated cards. Are they smoking crack????
Just a little snippet to reinforce how nuts they are...