 623 Reponse, Cap1 |
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 Nov 7 2009, 08:23 AM
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#1
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Group: Members
Posts: 50 Joined: 21-September 09 Member No.: 99,428  |
QUOTE Dear XXXX: Thank you for your recent inquiry. The above referenced account is no longer owned by Capital One. It had been sold to NCO Portfolio Management, INC. If you have any questions, or need additional information, please contact them at.... Sincerely, Cap1 I sent them a very clear 623 dispute after I dispute with the CRA's and they completed w/Cap1 investigation. They are reporting this account on equifax twice, with the identical account number and completely different information. The reported balance, terms, high balance, and DOFD also dont match with any of the 3 CRAs. I started to 1-2 NCO and after 1 punch they dropped. I dont think I could much clearer on a 623 and they know their responsibility. Should I do a follow up 623, BBB/AG or what? |
  
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| Googie |
Nov 7 2009, 08:23 AM
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The MoneyMaker
Group: Accounting
Posts: One in Every Topic Joined: 1-February 03 From: Mountain Home, CA Member No.: 1 |
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Nov 7 2009, 06:30 PM
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#2
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Group: Members
Posts: 116 Joined: 2-August 09 Member No.: 97,691 |
In your 623 did you explain to them you wanted an investigation of blah, blah blah, if so they just sent you a cookie cutter letter. Your 623 letter needs to be precise.. check out clamberts thread on midland has extremely valuable info..
Just be careful they can deem it frivolous and then your in a tough spot.. Dan  Equifax:
Experian: Equifax: Experian: Transunion: |
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Nov 7 2009, 07:22 PM
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#3
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Group: Members
Posts: 3,769 Joined: 5-April 08 From: The OC Member No.: 72,434 |
CAP1 will not respond to a 623 or anything else for that matter except with canned responses... gd and I have almost the exact same responses on our complaints with the OCC...
which I need to respond to 
You can see my progress HERE
QUOTE (Oneopihiman @ Oct 12 2009, 03:34 PM)  "There is more dignity in whoring than in what you are doing. Good riddance." If you are in need of employment in the Technical field, please feel free to PM me. |
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Nov 7 2009, 07:26 PM
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#4
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Group: Members
Posts: 104 Joined: 5-August 09 From: louisiana Member No.: 97,775 |
my DW is in the same boat with CAP1. we are just going to let this one age off next year.
they update every month as a KD for the last 6 years. all disputes failed with them. DH Fako EX 643 Fico TU 654 EQ 567
EX EQ TU DW Fako EX 554 EQ 632 TU 554 EX EQ 7 Baddies TU |
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Nov 7 2009, 07:30 PM
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#5
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Group: Members
Posts: 3,769 Joined: 5-April 08 From: The OC Member No.: 72,434 |
QUOTE (tjdarla @ Nov 7 2009, 04:26 PM) my DW is in the same boat with CAP1. we are just going to let this one age off next year. they update every month as a KD for the last 6 years. all disputes failed with them. smart move.. pick your battles 
You can see my progress HERE
QUOTE (Oneopihiman @ Oct 12 2009, 03:34 PM) "There is more dignity in whoring than in what you are doing. Good riddance." If you are in need of employment in the Technical field, please feel free to PM me. |
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Nov 7 2009, 07:34 PM
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#6
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Group: Members
Posts: 104 Joined: 5-August 09 From: louisiana Member No.: 97,775 |
QUOTE (clambert1273 @ Nov 7 2009, 06:30 PM) QUOTE (tjdarla @ Nov 7 2009, 04:26 PM) my DW is in the same boat with CAP1. we are just going to let this one age off next year. they update every month as a KD for the last 6 years. all disputes failed with them. smart move.. pick your battles I love a good fight!  But this is one I think a we would take a beating on and still have to wait until 9/10 to see removed. 
DH Fako EX 643 Fico TU 654 EQ 567
EX EQ TU DW Fako EX 554 EQ 632 TU 554 EX EQ 7 Baddies TU |
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Nov 7 2009, 09:20 PM
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#7
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Group: Members
Posts: 10,718 Joined: 25-October 05 From: hiding from the Thought Police of Stepfordland Member No.: 23,514 |
QUOTE (clambert1273 @ Nov 7 2009, 06:22 PM) CAP1 will not respond to a 623 or anything else for that matter except with canned responses... gd and I have almost the exact same responses on our complaints with the OCC... which I need to respond to a little OT, but how long are you going to let that sit on your desk?  
QUOTE (LKH @ Sep 9 2003, 03:42 PM) This always has been and always will be the biggest problem. Those that don't do the required research and send out letters not knowing why they are sending them or even knowing what they are sending, are not fighting only the cra's and ca's, but they are fighting themselves and are their own worst enemy. |
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Nov 8 2009, 07:21 AM
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#8
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Group: Members
Posts: 247 Joined: 10-December 05 From: Boston Member No.: 24,875 |
QUOTE (clambert1273 @ Nov 7 2009, 07:22 PM) CAP1 will not respond to a 623 or anything else for that matter except with canned responses... gd and I have almost the exact same responses on our complaints with the OCC... which I need to respond to What was the response? Before Cap1 became a national bank, I had a couple disputes with them and when I would complain to the Fed Reserve they would immediately fold. They became a national bank when Tennessee sued them and I have been wondering whether things have changed now.  templates for CMRRR How to send a letter by Certified Mail with Return Receipt Requested Pay For Delete DV Letter Friday comes every week so follow me on twitter! Cinnamngrl |
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