Long Time Customer, now frustrated:

Posted Wed April 11, 2012 3:35 pm, by Randy B. written to Capital One Financial

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My name is Randy J. Brown and I am a long time customer and advocate for Capital One. Of recent I've had both my mother and father open credit card accounts with this institution. I myself am a credit card customer and prior auto loan customer. My experience has always been great with Capital One....until recently.

I had two brother pass away 4 months apart which left me with the obligation to take care of funeral costs etc. As such, I fell a bit behind, but I informed Capital One that my credit card payments would be a little late. I was told it was appreciated that I let them know and that they would note my account. I never defaulted and got back on track after 2 short months of late payments and have been on track ever since. I called and asked for a courtesy update to my payment history with them to have the late payments removed and I was told they don't do anything like that.

I'm a bit frustrated just simply because I feel i've been a good customer, paid my balances on time 98% of the time and had a rough patch in my life that left me a little short for a few months. Surely, someone at Capital One can make an exception for a long time customer and advocate. Surely, I'm valued a little more than that, although I do know Capital One is a huge player in the industry. I'd really like to be granted a little help on the late pays if at all possible. Again, great company, just feel like i'm lost in the crowd here. I can provide death certificates if it would help my case at all.

Sincerely,

Randy J. Brown

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Let me ask you something.... by MA Bellamy Posted Thu April 12, 2012 @ 9:25 AM If your employer implemented a very strict attendance policy, and you showed up for work EVERY DAY and were never tardy, would you think it's fair that Joe Schmoe misses 2-3 days per month and comes to work late several days per week but never gets in any trouble because he went to the boss and told him he had a good reason for violating the policy? No, you'd be ticked because it's not fair that you followed the rules and someone else felt that the rules should not apply to them. Credit histories work the same way. It shows exactly how you handled your credit. They aren't intended to be subjective. Stuff happens to everyone, and especially now with so many people struggling. Who is to say that the next time a hardship comes up, you won't miss a few payments again? Would you still think it was appropriate to ask for "forgiveness" again? Reply Re: Long Time Customer, now frustrated: by McJohn Posted Thu April 12, 2012 @ 8:55 AM If your late your late. They cant and wont lie to the credit agency. Reply