I am looking for some help. My husband has a Capital Once card and I am a authorized user so both our credit is reported. On March 13th I called to pay the large balance off in full. Over the phone I was given a conf# and was good to go. I noticed after several days the balance had not cleared our acct. I called March 20 and was told over the phone that the acct was delinquent and on Feb. 15 the amount was denied due to invalid act #. I demanded that I speak with a supervisor which I documented her name and had a productive conversation with her. She informed me that the operator who I initially paid put the act # incorrectly by one number. She was very apologetic......she set up a new payment waved all the fees and placed a credit burrow dispute on the act. since it was passed 30 days and now had been reported on both our credit. She asked that I request a urgent lending letter in a few weeks for when we start our refinance process. On March 21st I received a letter from capital one stating that they verified the info on our credit matches the info on their records. They researched our acct and found that they did not receive our minimum payment for that month.. They placed a disagreement code with a resolution of dispute on our credit file to the major credit reporting agencies. They request that if we believe they supplied incorrect information to the credit reporting agencies to send them a copy of any documentation that supports this, such as our credit report by 4/22. They can not take further action until they receive this info and if we do will let us know in 30 days. I tried to call to first ask for the urgent lending letter and to get a understanding of what this letter means. I now can not get through to anyone that is in the United States like I originally did and no one can adequately help me in any way. Can someone please inform me on what this letter means and what I need to do in order to remove the reported late payment and how do I go about doing so for both of us when the card is in his name only. Thank you
That's a tricky one. I would assume it's an out-dated letter, but I have a couple of questions: 1.) Did the woman you spoke to on the phone provide a second confirmation number? Also, do you ever bank online and if so, is there documentation of the payment? 2.) Do you mean you're having an issue getting through to Cap One? 3.) This isn't a question, but I would request your free annual report ASAP to confirm that the negative has been disputed via Cap One and removed from your report. If not, you can send a debt validation letter to Cap One and re-start the whole process, but hopefully what happened is the negative has since been removed and the letter you got was old info, since it came in just a day later than the phone call you made.
