Capital One Capital One was Unjust Internet

"I did have credit cards with capital one. I fell behind when I got into a car accident. I did pay the credit limit on my cards and my checks were sent to capital one. The checks were accepted and the the limits of the cards were paid in full."

Ok so you admit you fell behind. In order for any company to report you to a credit bureau, you must be at least 30 days behind on your payment and they are well within their rights to do so. That is the reason they offer payment protection plans, and extensions in the event something like an accident occurs, you're acct can be protected. Most loan, utility, or credit card companies do this due to large customer satisfaction responses. I understand that you felt you ended up paying your balance off but the timeliness of your payments is what counts on your credit first and foremost. You have to accept responsibility for your own mistakes and suck it up. There is no ripoff here. You pay late, you pay the consequences.

"I did have credit cards with capital one. I fell behind when I got into a car accident. I did pay the credit limit on my cards and my checks were sent to capital one. The checks were accepted and the the limits of the cards were paid in full."

Ok so you admit you fell behind. In order for any company to report you to a credit bureau, you must be at least 30 days behind on your payment and they are well within their rights to do so. That is the reason they offer payment protection plans, and extensions in the event something like an accident occurs, you're acct can be protected. Most loan, utility, or credit card companies do this due to large customer satisfaction responses. I understand that you felt you ended up paying your balance off but the timeliness of your payments is what counts on your credit first and foremost. You have to accept responsibility for your own mistakes and suck it up. There is no ripoff here. You pay late, you pay the consequences.