Unorganized and deceptive customer service rep at Capital One

Hi, I work in Capital One's customer service group, and I would like
the opportunity to assist you. Please feel free to contact me at
executivecustomerservice@capitalone.com if you'd like to discuss your
situation. Thank you. Kathy

They cannot and will not remove credit reports that were accurate.
You were delinquent, no question about that, and they correctly
reported it. What I would imagine that they agreed to is to not
report you as a charge-off on the amount you negotiated. You should
count yourself lucky that they are even willing to do this.

"I have fulfilled my end of all obligations", Not hardly!

Sorry but you could have also gone online to pay your bill or called
it in. So you cannot use not recieving a hard copay as an excuse.

As for the written confirmation...all you need is a bill that shows
paid in full...forward a copy to the credit bureau(s).

Did you think that because you moved and did not get a bill you did
not owe Capital One? You certainly knew that you had a due amount
with Capital One. It is your responsibility to pay your bill. Just
because your bill did not catch up with you before it was overdue does
not mean you get a "ride".

I am always amazed when people blame a company for not paying their
bill. You know when it is due and how much it is. If you don't, you
need to learn organizational skills.

Had you notified Capital One of your new address and they failed to
make the change, or did you not contact them? If you let them know you
were moving and they didn't follow through with an address change, you
may have a case. Otherwise your own negligence is at fault.

Michael Y.,

This interests me.

I've always understood that once it went to Collections and was
finally paid off all the reporting company had to do was assure that
the item was marked paid as opposed to removing the item from your
credit report.

Stop back and let us know how this pans out.

BillR.