I have always had perfect credit and recently applied for an American Express card and was denied. The reason being - serious delinquency on accounts. I knew this could not be right so I pulled my credit report and there was a capital one card showing bad paying history.
I found this to be odd since I have never before owned a capital one card. After extensive research and calling capital one I found out that in the past I had applied for a card with them and was approved.
I moved before ever receiving the card or any notification of being approved. Thankfully the card was never activated, but that did not matter to them they charged me a membership fee of $35.00. Of course it was sent to the wrong address. Meanwhile I continued to get late charges on this membership fee on this card I had never received or activated.
I have tried 4 times to contact capital one and I always get a customer service representative who tells me that credit problems are only dealed with through a certain dept. And that dept. Only contacts people via mail. This was over 3 months ago and I have yet to hear from them.
I have contacted the bbb and all of the credit agencies. It's a big pain and capital one is impossible to deal with. I have been trying to reach someone about getting this ridiculous charge off my credit for a long time now. I personally don't think that this "department" exists.
Misty
Oklahoma City, OK
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