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I would try calling a cap one rep, ask for an account manager. I have had good luck with them over the phone and it oftens just depends on who you get on the phone. Explain what happened and go from there. My experience they are the easiest to deal with.
I feel ya on the RV loan. I have been looking at a new travel trailer. The credit unions around here pull EQ and numbers start at 670 before they will provide a loan but with a 670 the interest is 9-12%. So I am waiting to i get to 700 where a 6.49 is offered, which is the lowest interest I can find.
I wished there was a RV/Travel trailer loan section HINT HINT mods n admins lol Before I found this site, i was trying to get one in July and got sub prime lenders and a bunch of hard pulls. That prompted me to do something about the score.