In 2003 I had a Capital One Visa card. I had been out of work for sometime and fell behind on my payments. I had trouble finding work for a while. Capital One kept calling me and we tried to work something out. The fact I was out of work did not allow me to resolve this issue. The account was closed by Capital One, March with a balance of around $1400.00.
In June I was contacted by Glasser & Glasser PLC a collection agency for Capital One. They told me they would like to resolve this issue on or before July 6. I was served a court summons by Chesterfield County General District court to compel me to comply.in speaking with Glasser & Glasser they were very easy to work with. We agreed to settle for $975.00. I would make 2 payments, the 1st was on June 6 and the 2nd was on June 21. Once both payments were complete they issued me a letter that the debt was resolved.
In my conversations with them they told me they would report immediately to Capital One, which they did. This was supposed remove anything related to Capital One from my credit report from all 3 agencies.
I was checking my credit report again June of this year and noticed that Capital One was still on it with negative comments. This makes trying to make get any credit difficult if not impossible. I have had my current job for 5 years and I earn well. I contacted Glasser & Glasser and they were very helpful and apologized and stated they would expedite my request to Capital One but could not give me a copy of the e-mail that was sent. I thought that was kind of questionable considering it directly relates to my financial well being and is directly tied to my social security number.
I contacted Capital One about the issue and they transferred me to their credit reporting collections department. Well in that conversation I found out they have a company they either started or now use called Trak America. They told me that this June it was just reported to them that my account had settled and paid off and it would 60-90 days to get my credit report cleared up. I stated that this was paid off 2 years prior and that it should be done immediately due to the 2 year screw up. The person I spoke with Hemmed and Hawed but did understand my concern and would try to help but stated that most likely 60-90 days is what it would be.
I then contacted Capital One again and tried to get someone on the phone there that could help. The fact that they use out of country call centers did not help. Along with that frustration if you are not a current customer with an account number they have no idea how to help you. I gave my social security number to the agents a couple of times to no avail. I was not able to get a straight answer even when I called the local corporate offices here in Virginia.
I feel that I am being held hostage because of a prior transgression and a low point in my life. What irritates me even more is the fact that I made good by paying off the debt to a legitimate agency and following through. I realize that I made a mistake. I realize that they are following through on how credit reporting works. However when you are told how things will be handled and it is 2 years after the fact and I am being held hostage, enough is enough.
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