Can anyone tell me what Mr. Miller is like? Is he nice, mean, firm, what? I have a long and messy history with Cap One and today I let it all out and vented to death on planetfeedback. I said some...errr, well pretty harsh things and I got an e-mail reply from him, stating that if I wanted to talk details, then I should call him. Basically what I said, is that I will not pay my huge, enormous balance that is huge and enormous because of all the interest piled up on top of it, and that I will only pay up to the original amount of the credit limit. (They've been ignoring my phone calls and letters about negotiating this debt for the last two and a half years!) Not only will I pay just that, but I want a platinum Visa or Mastercard opened (with a real balance, not a platinum with a $200 limit, gold card! HA!) and the balance of that debt (it's $500, $1500 with interest) charged to it. So in the end, I will pay it off, Cap One will get their money, and I'll have a nice, little platinum card leftover. Was that too much? I have heard of people posting on this board who have tried the same thing and gotten it. I just don't know if it was Cap One or even a platinum card. Then I said I wanted them to erase all history of this debt from the three CRAs and furnish me with the appropriate letter stating that they have in fact done so. Was this too much? Is Miller going to laugh in my face, or maybe even do something worse? I'm too too scared to talk to him. HELP!
He seemed very nice. I wouldn't be scared to call him if I were you. Now from reading your story and not knowing all of the details I think you are asking for a bit much. Especially the part about wanting to end up with a platinum card at the end of everything. But in negotiations I know it's best to start from an extreme position and work toward the center. Bottom line -- go ahead and call. I don't think you'll find him intimidating or rude.
Well that was my point, to go extreme and get their attention. I did say I was open for other alternatives. By the way, as for Cap One; I don't really think that being a platinum card holder with them makes any difference, or makes one an elite in their eyes. My mother has had a platinum card with them for 10 years; she has a spotless credit record and always pay her balance in full every month, NEVER late, ALWAYS on time. Regardless of this, the last three times her Cap One card is up for expiration (after the customary 2-3 years), she never got one automatically she always had to call into customer service to request one. Can you believe this? And to top it all off, each time, a rep hinted that Cap One didn't really enjoy having her as a customer...get this...because she paid off her balance each month and never made them money. My mother was clearly mad but kept the card because it is a good mark on her report. But really! Even being a Cap One platinum card holder is no elite status worth aiming for. Even if I asked for it from Mr. Miller (or even got it!) it doesn't mean the crap stops. It only means that I've got one up on them. And I'm sure they wouldn't let that happen. Oh well...*sigh*
I don't think it's a good idea to create a thread with Mr. M's name in it. If this board is discovered by higher powers at Cap One, he could probably get in trouble and those that are still seeking his assistance could hit a brick wall.
How was I supposed to know? Besides he is employed by Cap One to help the consumer. If he gets in trouble, it's not because of this board, but by what he does in his job, if it's anything illegal. Fine whatever, how the moderator erase this thread.
I don't think its any big secret. I wouldn't worry about it if I were you. Actually if I didn't have a Cap One card and I read stories of good customer service I'd probably be more likely to want one. Especially since they get a bad rap in so many other areas. If Cap One executives are reading threads like this here all they'll know is Mr. Miller is doing what they pay him to do. I doubt he's running a back room operation to increase credit limits and lower APRs against the will of the company.
I agree about all the super detailed posting on the board. It might be better to form an email group which is closed to the public where we exchange the more detailed information. Then we could post more general information here for all the world to read, and post the details only to the group we are reasonably certain is made up of only consumers with a common interest. Just a thought. breeze
I just received a message from Mr. Miller on Tuesday. I haven't called him yet. I complained about Cap One not reporting limits (hurting my FICO score) and if they couldn't change that policy, that they should give bigger credit increases or more frequent increases like Providian. I kinda stole the Fico/reporting limits from one of you on this board. But I was wondering the same thing as fingrrl. Does he get into detail about the letter sent by Planetfeedback? Or does he basically say "What can I do to get you to stay with Cap One?"?
As I have said before...credit report MUST BE COMPLETE AND ACCURATE...no credit limit stated means it is not complete or accurate!!!!
I don't have any answers, but Mr. M left a messege on my machine today. I have to wait till tomorrow to call him back. I am very curious to know if he is calling me because he's going to give me what I asked for. I got denied for an unsecured card last month and asked them to re-evaluate my ap based on blah blah blah. So why else would he call me...just to say no again? Anyway, I ramble.........
Mr. Miller gave me a long explanation regarding not reporting limits. Most of it is just B.S. He said this policy would not change, but that you could request to have a letter sent to CRAs stating your current limits if you really NEED it. I guess they will determine what "need" is, too.
