Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Cards
Profile Image

Question By
A1AB2B

0 Contributions
0 People Helped
Capital One credit card company can't find closed account.
I have called them 4x.
Been transferred to many people including supervisors.
There is a delinquent I want to get off.
I have 2 capital one cards currently.
The account was closed in 2012.
The 3rd time the rep was filling out a disputes to send to reporting agencies for me saying they couldn't find account.
During the follow up call the supervisor (2 weeks later)said they had no knowledge of disputes and couldn't find the account herself.
Any suggestions?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
2077 Contributions
3885 People Helped

If you had the card,

You probably have an old bill for it.  Write a letter, Include a copy of the last bill you recieved, if they can't track it down that way they are idiots. 

Don't deal with them on the phone. To many chances for errors. I once had a CapOne trying to chase down a fraudulant account for weeks and it turned out they had digits transposed.  (one of the reasons I refuse to do business with CapOne) 

You say the account was closed in 2012, Chances are the account was written off and sold to a collection agency. The C.A. may not have followed through and hasn't placed the account on your credit report yet. That may be why its not showing up on the CC co's system or on your credit report.  

If they can't find it and it's not reporting anywhere else then you may have "Missed a bullet" for the moment so to speak.  But be aware that even if Cap One can't tell you what the account status is, It could pop up on your report later and you wouls have to deal with it then.  That account has until 2019 to try and collect so you may not be out of the woods yet, Be prepared to deal with it when it comes up.

Good luck   

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.