Anonymous Posted April 8, 2003 Report Share Posted April 8, 2003 I had an account with Capital Mastercard that was paid off and shows a good standing on my credit report.However, Capital One placed a Visa account that shows as a charge off that isn't mine. I disputed the account and the bureau SAYS they verified the account. I doubt they really did. So, I disputed the account with lady who was a jerk and her manager who was a jerk also with Capital One. During the conversation I discovered they didnt have anything other than my name correct but while I was trying to verify it wasnt me they were asking my social, address etc. They said they dont have to send me anything and were very arguementative and I became irate on the phone because they basicly told me "Tuff Cookies". I disputed with the credit bureau again and they didnt respond for 45 days. Then I recieved a notice the account had been removed. Then 30 days later it was back on my credit file. I called Capital One again this time they had all the information I gave them when I disputed it the last time on the account as well as the other info they had before. The account is not mine. They do not have an original application unless they copied and falsified it from my real account. They refuse to verify and the credit bureau does not really verify other than calling the creditor, if that. I believe someone in the capital one office was vindictive and placed my info on the bogus account or someon in thier office issued a card to a someone commiting fraud and they were trying to cover thier butt. if anyone out there can help me let me know. Link to comment Share on other sites More sharing options...
kb9tbq Posted April 9, 2003 Report Share Posted April 9, 2003 For one thing; once the credit reporting agency deleted this account. They had only 5 business days to notify you of the reinsertion - If they failed to do this. Write them back demanding the account be deleted since they failed to notify you of the reinsertion.If they continue to mess with you - then look to the alternative to have a fraud alert added to you credit report. File a police report listing this account & forward copy to the colleciton agency demanding that they investigate and remove from your credit report since this is not your account.You can use www.planetfeedback.com to get the contact information for this company. Link to comment Share on other sites More sharing options...
Anonymous Posted April 9, 2003 Author Report Share Posted April 9, 2003 My wife was in such a situation with that low life Cap 1. We had a MC and VISA with them for a short period of time but they were always sitting on our payments, on-line or by mail, even though the payments were sent with plenty of time to spare. So we closed them with zero balance. Then a few years later they sued her for some bogus credit card account she never had. They would not send any proof but the CRA's still claimed the account was verified. Anyway, I disputed the judgment (never served, not mine type thing) and they deleted it. Who knows where they came up with that account but we know that it was not her account. I think they look around at names then just assign accounts to a name randomly. Pure trifling and lazy people work there. Link to comment Share on other sites More sharing options...
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