Apologies for reviving an old thread. But it is still relevant to an issue I have today. I had a situation where I have 4 consecutive lates being reported on 3 capital one cards I have.
The CSR actually refunded my late fees on all 3 cards and I gave him a really good reason which had to do with an automatic payments option. Before then the account was always blow 7% and paid in full for the past 2 years.
So I am now waiting 60 days and hoping my situation isnt like everyone elses. Though the odds might be slim, at least I had my late fees refunded.
I wound up with 60 day lates on 3 cards.
I recently called the Executive Customer service number and it appears that they have implemented a new process now. I'm quite confused. They supervisor indicated that they were going to send in the notes along with a dispute request to the credit bureaus and we'll see how they respond. I asked "Aren't you the furnisher of information? Don't they do what you tell them to?" He gave me some run around. I am not sure what this really means. Has anyone else encountered this?
I asked him to speak to a supervisor and they came back and said since the notes are going to state that the reason why it was late was because I did not receive a statement (first time using the card, signed up for paperless and it went into spam) and when that happens, they typically remove the late payment.
I've never heard of that. Has anyone else encountered this?
In my opinion, this is a dirty tactic that Cap One uses. They know that people are requesting GW's and in the name of " good customer service' they appease you by submitting a dispute. They should just be more straight forward like most places and say they dont perform GW adjustments. Its dishonest to submit a dispute when that isnt what is being requested.
Would Capt1 fix a kohls 30day late seeing kohls uses capt1? i GW Kohls and they responded with the we report...