Capital one bank they are jag offs if you care about your credit file s they screw you. Even if your a good paying customer/ and easy to beat in court. They are sneeky liars and back stabbers and lie when your payments are recieved and tell transunion the same [censored] too 30 60- 90 days late keep close look at your reports trust me they make your scores fall mine were 716 now they are at 683 they call electronic payments late often and must be jealous of people with good credit dont let them change ok payment to late and they lie during an investigaton with transunon your disputed items and say your late any ways and if your in that 2019 breach like me. First they dont believe anything you say from location in salt lake city. Right now I cant believe the stuff they do just like transunion. I opted out for 7yrs on credit cards. Such a headache go to rocket lawyer and sue them or a lawsuit you will feel the way I did they don deserve any better. I paid $73 for [censored] company and transunion [censored] them.