Help with Capital one, a little weird

[Anonymous]

Ok, long story.  Back a few months ago I decided to close a captial one account I have had for a while. I had not used it in a while. So, I went online, verified I had a 0 balance and called and closed the account. a couple months later on June 26th I got a alert from MPM of a change. I checked the change and seen I had a 30 day late from Capital one ( only negative item in 10 years ). I called and found out that on the same day I closed it had auto charge for 4.95 hit my account ( my fault for not verifying after I closed that nothing posted )

The customer service rep was very nice and said she would take care of it and that I should see the change back at the end of July when my account updated with the CRAs, she also told me that I could call back after 24 hours passed and get a letter sent to me stating it was being changed. The end of July came and went and my account did not update, I wasnt to concerned because even the balance had not updated so I assumed they were behind on reporting, no biggie...I decided to call anyhow and get the letter that she had mentioned, just for my own records. The CSR I talked to was confused by me asking for the letter, she sent me up to her supervisor dept.

The department she sent me to didnt seem to know what I was talking about either but the gentleman seemed very willing to help... he said he was writing a letter and sending it to all 4 CRAs and asking them to investigate the 30 day late. He said he would put on there I did not recieve statements ect and try and get it removed for me. He told me while there was a good chance they would due to Capital one being the one requesting the investigation he could not promise it since ultimately it was up to the CRAs... This makes no sense to me.

fast forward to today, I got a alert from MPM of a change and log on and was very happy to see the 30 day late gone...however when I read the actual alert it says "status changed pending techhnical discussions with equifax"

Anyone ever heard of anything like this?

[thom02099]

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@Anonymous wrote:

Ok, long story.  Back a few months ago I decided to close a captial one account I have had for a while. I had not used it in a while. So, I went online, verified I had a 0 balance and called and closed the account. a couple months later on June 26th I got a alert from MPM of a change. I checked the change and seen I had a 30 day late from Capital one ( only negative item in 10 years ). I called and found out that on the same day I closed it had auto charge for 4.95 hit my account ( my fault for not verifying after I closed that nothing posted )

The customer service rep was very nice and said she would take care of it and that I should see the change back at the end of July when my account updated with the CRAs, she also told me that I could call back after 24 hours passed and get a letter sent to me stating it was being changed. The end of July came and went and my account did not update, I wasnt to concerned because even the balance had not updated so I assumed they were behind on reporting, no biggie...I decided to call anyhow and get the letter that she had mentioned, just for my own records. The CSR I talked to was confused by me asking for the letter, she sent me up to her supervisor dept.

The department she sent me to didnt seem to know what I was talking about either but the gentleman seemed very willing to help... he said he was writing a letter and sending it to all 4 CRAs and asking them to investigate the 30 day late. He said he would put on there I did not recieve statements ect and try and get it removed for me. He told me while there was a good chance they would due to Capital one being the one requesting the investigation he could not promise it since ultimately it was up to the CRAs... This makes no sense to me.

fast forward to today, I got a alert from MPM of a change and log on and was very happy to see the 30 day late gone...however when I read the actual alert it says "status changed pending techhnical discussions with equifax"

Anyone ever heard of anything like this?

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I think you should call the EO pronto, and talk to someone who maybe...MAYBE knows what they are talking about.   Sounds to me like someone was blowing happy dust up your...well you know...

[Anonymous]

Any chance someone can message me the contact information I should be using?

[thom02099]

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@Anonymous wrote:
Any chance someone can message me the contact information I should be using?

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 From the Credit Card forum/sticky on Back Door Numbers...

http://ficoforums.myfico.com/t5/Credit-Cards/Backdoor-Numbers/td-p/408066

Cap1: 800-625-7866 (Account Specialist)

Cap1: 800-951-6951 (cust. relations)

Cap1: 800-548-4593 (application status - automated only)

Cap1: 800-889-9939 or 800-625-7866.(Account Specialist)

Cap1: 877-513-9959 (Account Retention?)

Cap1: 800-258-9319 (Debt Recovery)

Cap1 Secured Platinum: 800-219-7931 (deposit taker, can speak to credit analyst)

Cap 1: 800-707-0489 (Senior Escalation Account Mgrs.)

Also if you Google "Capital One Executive Office" you'll get multiple pages of info for email address for the EO/CEO, as well as senior staff.  I've also read anecdotally of folks having success posting at Facebook and Twitter, if you're into social media. 

[Anonymous]

Thank you very much

[RobertEG]

The creditor requested the CRA to do a reinvestigation of what THEY had reported?

The CRAs refer a dispute to the furnisher for their investigation, and rely upon their investigative results.

Only the furnisher can evaluate the accuracy of what they reported.

The disute process is for consumers to disute accuracy.

Furnishers have a responsibility for the accuracy of their own reporting per FCRA 623(a)(2).

Silly.

[Shogun]

I agree with RobertEG.  The CRAs only provide what is reported to them.  So they are wanting the CRA to investigate what they have reported?  Nope, not buying it.  Something hinky here.

[thom02099]

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@Shogun wrote:

I agree with RobertEG.  The CRAs only provide what is reported to them.  So they are wanting the CRA to investigate what they have reported?  Nope, not buying it.  Something hinky here.

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Hence my statement above about "happy dust"...

[Anonymous]

It didn't make sense to me either. He was clear about it though, we were in the phone about ten minutes as he prepared the letter to send to the CRAs. The 30 day late fell off all three reports but MPM only sent me the alert for Equifax, so Equifax is the only alert stating status changed pending technical discussions with Equifax.

Do you guys think I should call capital one now, or wait and see if the 30 day lates reappear? And if I call is it the senior escalation manager number I want ?

[Anonymous]

Pardon typos, on mobile device while at work