HELP! w/cap one

Discussion in 'Credit Talk' started by lilgong, Mar 7, 2003.

  1. lilgong

    lilgong Well-Known Member

    guys,,

    can some one help me. how do I contact and find this planetfeedback and Mr Cooke of Cap one,,,,

    yesterday morning I made a western union quick collect payment to Cap one, yesterday was my due date,,,,,, I have the receipt and the money tracking number,,,,,, I have western unioned to Cap one before,, Immed the payment showed online,,,,,,,

    My payment form yesterday morning has never shown till now,,,,, I emailed Cap one gace them the tracking number,,,,, they emailed me back to call them,,,,, I called them,,,,,,,,, My answer was * nope no payment,,,,, she never asked for the tracking number, when I offered it I was told " we dont investigate" if a western union payment was made we would have it,,,,,,,,,, well she says, "oh yes you will be charged over the limit, late fee, and sorry, the computer is automatic you will be reported 30 days late,,,,,,, have a nice day,"

    WHAT CAN I DO???

    thanks, l
     
  2. patsy123

    patsy123 Active Member

    Was it 30 days late? If your due date was yesterday, this is not a 30 day late. Do you have the routing and confirmation number?
     
  3. lilgong

    lilgong Well-Known Member

    yes, I have the western union receipt w/ the money transfer control number, I did this at 8.10am yesterday march 6, and march 6 was my due date, theres this new wonderful statue on equifax, " PAYS 1 to 30 days late"

    the customer service idiot tried to tell me,,,,, " oh, you must have done it after 1.30pm EST, then it will post tommorrow March 7,,,, sorry Your late,,,,,,,, I said, excuse me,,,, I did it at 8.10am EST,,,,,, well it never showed up any way, my statement online, has 30 dollars late fee, 30 dollars over the limit.....

    whar should I do,,,,, call western union? all they will say, is yes we see it, it was done,,,,, I dont need another late,,,, I paid 20 bucks to western union to make 100% sure they got it cause I WAS PAyING off the balance,,,,, good god,.

    who is this Mr. Cooke, I can see myself in an endless mail fight with these people,,,,, k
     
  4. Luke

    Luke Well-Known Member

    Apparently Mr. Cooke answers letters at www.planetfeedback.com.

    If you do a search on this board for Cooke, you'll also get a phone number for him. I've read it's best to email him first though.

    Luke
     
  5. lilgong

    lilgong Well-Known Member

  6. lilgong

    lilgong Well-Known Member

    Im at planet feed back now, I found complaints for cap one finance, where do I find the telephone number for MR COOKE;,,thanks,
     
  7. patsy123

    patsy123 Active Member

    Question about planetfeeback, I cant use it. When I get to the ratiing section, it won't work. Anyone have any tips? They won't respond to my inquiries.
     
  8. tac14033

    tac14033 Well-Known Member

    Contact Becca Edwards in the legal department of Capital One, her number is....(804)967-1410.

    You will find her to be a breath of freash air at Capital One, Very nice lady to work with! Please be nice to her when calling!

    Tac
     
  9. lilgong

    lilgong Well-Known Member

    I see a general number for cap one in falls church VA, what do I do , just call and ask for a MR COOKE;,?
     
  10. GEORGE

    GEORGE Well-Known Member

    Mr COOKE is in the EXECUTIVE OFFICES and it is NOT a good idea to COLD CALL him...if you have done a PFB you will not be COLD CALLING HIM...(he says call me any time after you talk to him the first time on the phone or by E-MAIL)
     
  11. lilgong

    lilgong Well-Known Member

    Ok, I just signed up to PFB and sent my email,,,, now If I wait a while a day or two, how do I get in touch with Mr cooke,,,,, I mean I cant call the automated card number and ask to CSR for " Mr. cooke" thanks,,,,,, Its not even the over limit fee and late fee of 60 bucks,,,,, the final negative thing came off my report this month,,,,,,,, now Im gonna get a late mark for seven years,,,,,thanks guys,,, l
     
  12. GEORGE

    GEORGE Well-Known Member

    Re: Re: HELP! w/cap one

    He might call MONDAY or TUESDAY...

    Just be VERY CALM...don't yell at him!!!

    If he can do it he will FIX YOUR PROBLEM...

    GOOD LUCK...
     
  13. GEORGE

    GEORGE Well-Known Member

    Re: Re: HELP! w/cap one

    #1 DON'T pay on the last day if at all possible.

    #2 Sign up for ON-LINE payments (FREE).

    #3 I could even pay your bill for you!!! YOU DON'T NEED TO BE AN "AU"...THEY WERE 100% WRONG ON THAT POINT!!!
     
  14. jlynn

    jlynn Well-Known Member

    Re: Re: HELP! w/cap one

    Lil,

    Listen to George, he's the pro here. You are going to have to sit and wait for Mr. Cooke.
     
  15. daveberk

    daveberk Well-Known Member

    Re: Re: HELP! w/cap one

    George, would you pay my bills for me too? Thanks
     
  16. GEORGE

    GEORGE Well-Known Member

    Re: Re: Re: HELP! w/cap one

    I need account #
    Credit card 800#
    Your name and address
    And how much the bill is...

    THEY ARE WORRIED ABOUT A SECURITY BREECH, I GUESS...YOU MAY BE ABLE TO USE YOUR HUSBANDS/WIFES ACCOUNT WITH-OUT PERMISSION...ONCE YOU PAY THE BILL FOR HIM/HER...(as if he/she won't let you any-way)...one phone call will make you "AU" or even ON-LINE...
     
  17. GEORGE

    GEORGE Well-Known Member

    Re: Re: Re: HELP! w/cap one

    Mr COOKE may take as long as 2 weeks...just sit tight...
     
  18. GEORGE

    GEORGE Well-Known Member

    Re: Re: Re: HELP! w/cap one

    PAYING A BILL DOES NOT MAKE YOU A "JOINT" OR "AU"...but you can pay a bill for an account that is NOT yours.
     
  19. patsy123

    patsy123 Active Member

    Re: Re: Re: HELP! w/cap one

    Whats the deal with this 1-30 days late? Is this new? I thought the payment had to be 30 days late to count. Use online bill pay. I have never been late since I used that. Even if I don't have the money, I schedule it for when I will.
     
  20. lilgong

    lilgong Well-Known Member

    Re: Re: Re: HELP! w/cap one

    yep. about 1 hr after I emailed with PFB to Mr cooke, my statement was updated with my recent payment I made on the 6th in the morning, the statement is,,,,,, 29 dollars late fee 3/6/2003... payment received. 3/7/2003...... great hun,

    I was really pissed off in december when both, this insane crap Emerge and cap one, posted on my equifax,,,, " pays, 1 to 30 days late,,,,,,,, I lost 30 points for being 2 days late,,,k
    k
     

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