My problem lately is getting Genus to send me the repayment schedule for the Capital One accounts. I know this is possible because they sent me one for another creditor I have on the program. They just seem to be stalling. They were investigating the Capital One accounts for me as well, and they were suppose to let me know what they found out, they haven't, despite repeated calls and E-Mail! I just E-Mailed them telling them I was considering legal action against Capital One and NCO for mismanagement of my money, if they would not send the information I needed, I would file a complaint. I am just so frustrated right now! I can't get anyone to give me an account of how my payments were applied! Any suggestion?