Account

So, I wanted to let everyone know that PFB really does work! I was
contacted regarding this letter by a manager over Capital One's
Customer Service team, and although they weren't able to do much, they
did refund me 63.00 and told me that within six months I could reapply
for the card. Of course I won't reapply, and that was probably only a
quarter of what they truly owed me, but I'm going to let it be and
enjoy my whole 63.00.It's not exactly what I wanted, but my payment
history is updated and that's really what meant the most to me. :)
Thank you guys!!!

So, I thought I'd let everyone know that they didn't do anything about
this card. They told me that because I had been behind more than 2
consecutive payments, they would not open the card. They have refused
to refund me the service fees and late charges that the Soldiers and
Sailors Act protected me from while I was on active duty. They said I
was responsible for those because I didn't continue to make payments.
Upon veiwing my credit report, I was, only three consecutive payments
behind, however they refused to do anything about it. I got a generic
letter stating policy. Go figure that no one at that company cares
about their customers.. I'm just glad they made it obvious...
hopefully other teenagers will not be as decieved as I, and will
choose First Tennessees' Visa over Capital One.

Thanks for all your time and support,
Mandy Walker

I've read both letters and I like this one much better I do hope they
straighten this out for you. I'm glad that you have put some of the
blame on your ex-husband as that would have been a comment I made
(that some of this was his fault).

This is a very well written letter. I really do hope Capital One comes
through and fixes this for you.

I have a friend who had a Capital One card and went through a similar
situation with payments. She would pay them sometimes three days
before the due date and they would charge her fees for late payments.
So she would have to call up almost every month and have them waive
the fees. And that was like pulling teeth.

Please don't take this the wrong way because I am not trying to pry or
insult you, but I also think that most of this problem was caused by
your ex-husband not using the money you sent him to pay your credit
card.

I hope this all works out to your satisfaction, and sooner rather than
later.

I read both letters and I do like this version much better. I can
commisurate with your situation and I do hope they respond favorably,
you really have been through much more than many at your age and I
really think they should take your concerns to heart. I know it's very
difficult to clear up these issues, the only thing I can suggest
further is to send a short letter outlineing the extenuating
circumstances to all three credit reporting agencies.

For nothing else but to show anyone who reviews your credit history,
that you DO care about your credit and there were legitimate reasons
for this blemish.

And last but not least, Please stay around PFB. I respect your level
headedness and your point of view is really refreshing... not many
would be so honest nor brave to re-post a letter after the way some
people responded before. Thanks for your service to our country!

First of all, thank you for your service for this country. You have
my respect 100%.

I am not saying that Capital One should not follow through on what
they said they would do for you, but shouldn't much of the blame for
the situation go to your ex-husband? From what I can read, he was
taking your money that you wanted to have applied to the Capital One
account and using it on other things.

Just my 2 cents. Welcome to the site though, I hope you stick
around!

Excellent letter here!

This is just a little clarification on the post that I made to your
other letter:

I have been retired for over 10 years, JAG was not able to help back
then in civil matters, please be sure to check with them.

I still recommend that you drop Capital One like the hot potato it is.
They seem to have a recurring problem posting payments on time,
regardless of the method used to make the payment. They also have
issues with sending statements and keeping addresses current.

While it's great that you're taking your financial history and credit
rating seriously, I hope you realize that this is just a blip on your
credit history. You're young and have so many years ahead of you to
counteract this one black mark. And even if you can't get Capital One
to do what's right, at least after a certain amount of time (someone
here will know for sure--I think it's seven years?), it will have to
be removed from your credit report anyway.

I say this because it sounds like this is causing you a a fair amount
of stress, and in the big scheme of things, it's just not a huge deal.
You sound pretty mentally tough, and I'm sure you're just fed up and
pissed at these people who don't do what they say they're going to do.
(Who wouldn't be?) I don't know what else you can do to get them to
fix this. If you DO hear back from Capital One, I hope you return
here and give us an update!

Holy Cow.
You're young (relatively :)), you've already lived a lifetime, AND,
you seem to have your head on straight. Letters like this are so few
and far between you almost forget that there are actual, bona fide,
ADULTS out there!!
You go girl. I hope you get the resolution you deserve!
(and thank you for your service!!)

This is a great letter, it's clear to read. I think you explained
yourself very well. Keep after them, check your balance either by
phone or see if you can get the information on the internet to make
sure the balance is what they said it is.

Keep all records of this in case you need to apply for another loan in
the future, and in case there is still a blemish on your record that
isn't removed. It will help you out. Good luck, let us know if they
followed through.

Yes, this is much better. You did a great job revising your letter.
I'm sure you'll get a response.

By the way, I'm sorry you were injured, and I'd like to thank you for
having the courage to serve our country.

Best wishes to you in the future.