Credit One -I sent payment coupon with a letter and Credit One closed my account because of "unauthorized payment" - admitting that the payment coupon IS payment...They removed the credit line from my credit report and sent the account data to a "collections" company. I sent Credit One a Conditional Acceptance, they ignored, I monetized CA with the Treasury who received it on 12/30/22 . Still waiting. The collection company sent me a letter with a coupon and option to mark "this is not my debt" which I marked and sent back and NEVER heard back from them!
3 medical bills paid (over $10K in total), and an old "tax" bill from when I used to file income taxes I paid via coupon plus a letter. After I paid I did receive another "statement" but I ignored the second statement and filed IRS Form 3949a on the payment coupon I had sent and I sent a copy of the form to both the company AND the IRS and then I NEVER heard back. This happened in Nov 2022. I have no proof, but my word, because these were as I call them "one off" payments with no "online" statements to show proof. I find "one off" payments to work more successfully than using the coupon on things that you could provide solid proof of payment- like credit card bills, internet etc...
Capital One, I over paid, with the coupon and a letter. They restricted my account and didn't credit the payment. I did the CA process and monetized and sent to the treasury delivered on 12/30/22. Waiting for a remedy from the treasury. Last week, I decided to call Cap One and get some answers, because I'm curious....after 2.5 hours on the phone with them trying EVERY gaslighting technique they could muster, they said they "lost" the payment and would provide me with a "provisional credit" and "look into the matter" once I faxed them the proof of mailing and photocopy of the coupon I sent. They NEVER said the coupon WASN'T a form of payment and I was really clear about using the Payment Coupon. I recorded the entire Phone call !!! Sent CAPITAL ONE a fax of the proof they requested, confirmed the provisional credit (which was removed 3 days later) and am waiting for the written response they said they would send me. I expect them to provide me with some gaslighting BS letter in which I will CA them AGAIN.
Friends, this is NOT going to be easy, they WILL NOT go down without a fight...but IMO, it's a fight worth fighting.
I'm convinced that the more people that learn about this and insist on their remedy...eventually the fraud will have to stop!
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Thank you for sharing this..Please update us when you hear anything more! Blessings!
AT&T is the same I am fighting them now what I can't seem to do is get them to credit my account. what I would like to have is how you actually got them to accept the coupon and credit your account they aren't saying that they didn't receive the payment they said that they haven't credited it to the account. how can I get this accomplished? Also I have several coupons with capital one which I send out and they haven't credited my account either and before I begin calling them I am looking for the best approach to dealing with them. Any assistance would be helpful. I know I cant just call and start screaming at them I just need to know what I need to say to get the accounts credited and to keep it open , Thanks
its all about the medallion stamp guarantee ! they dont mean jack shit untill that is on there, that is their process , as in allof their processes, it says so in their SEC filings somewhere on some exhibit of which many companies are hard to find which one , but it doesnt matter because they all require the stamp to make it legit and be recognized as a security. plus some may want you to file a transfer form as well , im not certain , but once you get fluent in speaking about securities and refer to the account as a receivables account and must find out what Bank is the indenture trustee(ALWAYS A BANK) and you could call them and say you are looking to speak with someone who handles XYZMasterTrust or XYZ-RecievablesLLC is usually the type of names these companies will have as intermediaries to serve as no other purpose other than the hand off and depositors of these securities into a master trust company , but look & find the persons name when you are reading their filings, and call that person and say you are ready to "send them a security to satisfy your monthly statement obligation and wanted to check with them before hand to get instruction on what all elements of the certification they would be required to recognize it as acceptable so that you could remain in honor and satisfy your monthly obligation" plus you technically are required to send a instruction letter with these securities, otherwise they dont know what you want done with it and supposed to have the account # and routing # that you want to deposit the value of the remittance. there is way more to this shit than all these people have lead everyone on to believe , and as for the ones who everything went through , most of the time they just got lucky and or because they appeared to know what they were doing they just processed them and put them through, but im telling you all those people who legit are getting them processes every month, they are getting the Medallion Guarantee and that is not always easy to obtain,