My name is Shereka Mosby and I was a customer with capital one for years. I spoke with a representative in June about setting up $100 a month automatic deductions until account paid in full, but there's been an ongoing issue with whom provided incorrect information on the call. I was not able to pay for months and when I was able to do so I resumed payments. I told this representative I was in the process of buying a home and for an error such as missing a number on checking account, it is your word against mine, because I requested resolution letter and Capitol one has yet to provide one and filed in July. You've reported me to credit bureau as bad charge off when I actually called to set up these payments and received letter in june after Ist payment that did not indicate you could not process June due to incorrect info, but you will deduct on the account as requested. People set up automatic payments so they dont have to call, and this has lead me to believe you should never set up automatic deductions because of errors like this. I also tried making the $200 payment in july but representative stated not to and wait for resolution letter which I never received. This is the only account reflecting negative and I'm sorry that I was excited to get my life back on track, and let your representative get distracted and she did not do her job that day. With Capitol 1 advertising what a great company you are to have, I've dealt with companies that dont have your "credibility " and they dont treat customers this way. All I'm asking because of this mix up is to report fairly to the credit burea, because I have not received correspondence regarding resolution and unsure if capital one is being honest about what happened on the call. I should not have to suffer because of someone's incompetence in your company. Especially when it can effect people and they are trying to do the right thing. I sat at my desk that evening and paid everyone with the same info, but you are the only company that did not obtain correct checking account number. Also the only company reflecting all this negative things on credit report, when I was able to catch up on my payments and it was not processed correct
I've spent days and have made multiple calls to Capitol 1, no one has been of any assistance and have been unprofessional telling me not to make payment in July, I dont receive a letter and my account is worse than it started before the investigation.
Please call me on my cell anytime I need to resolve this. [protected]