Been on the GW train with cap 1 too, sent them multiple emails to the CEO/ unders multiple times and finally got through to someone in the EO office names Dominique.
She was a pain in the butt to get ahold off and playing phone tag with was getting annoying. I explained to her that per my emails I am currently trying to get this recent(2 years) baddie off my report so I can attempt to buy a house with my s/o and a new car(through their preapproved auto financing invitation).
Essentially got told that they wont change anything and only reported that the dispute is accuratley reporting and left unchanged.
Anyone have any success just diputing the lates directly with the CA's? I know some dont even bother to verifiy back with them.
She was quite clear that the EO treats GW request as disputes and only looks to validate the debt. They no longer grant Goodwill deletions of otherwise valid debts.
Definitely a YMMV thing here, as multiple members recently have reported success with Capital One GW adjustments.