Dealing with Capital One, I am 48 hours from charge off. I have been out of work since last May and everything got behind, lost my house, moved my kids and I in with my parents, and last week my engine blew in my vehicle. Sad to say all of that is true. Anyway, once I was finally able to deal with Cap One, I went back and forth many times.
FIRST in many phone conversations, they refused to send/fax me a settlement agreement letter. It took many phone calls to finally get them to agree to fax one to me.