Capital One ... :(

[SoDenied]

I refuse to say I give up...

but I'm defeated.

Capital One is killing me. They won't budge one bit....

I'd like to try the email route if anyone can help me.

any advice would rock...

thanks...

[Anonymous]

Did you call 800-889-9939 or 800-625-7866 and speak to an account specialist?  

[mAndrew1980]

What is the situation? Killing you with a CO collection on your credit report? Or killing you by denying you a credit card?

[SoDenied]

It's been sold 3 times, no one wants to tell me who currently owns it. The current owner is not reporting it.

and every DV letter I found sounds so threatning that I think they will ignore my PIF/PFD request.

I just want to PIF/PFD/GW them. and I can't

I'm tired of calling and getting transfered. I don't want to wake the WRONG sleeping giant.

would an collection specliaist retract it as a right off and allow me to resolve it with them ?

[MarineVietVet]

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@SoDenied wrote:

It's been sold 3 times, no one wants to tell me who currently owns it. The current owner is not reporting it.

and every DV letter I found sounds so threatning that I think they will ignore my PIF/PFD request.

I just want to PIF/PFD/GW them. and I can't

I'm tired of calling and getting transfered. I don't want to wake the WRONG sleeping giant.

would an collection specliaist retract it as a right off and allow me to resolve it with them ?

---

Keep a DV letter short and sweet. Something like this is all you need:

"I pulled my credit bureau report, and I discovered that you claim I owe you a debt. Under FDCPA 809, send me validation of this debt."

"You claim I owe you a debt. In accordance with FDCPA, send me validation of this debt."

"I received your letter claiming I owe you a debt. Per the FDCPA, send me validation of this debt."

Be sure and send the letters CMRRR.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".