I looked at my Capital One app today and noticed I have two accounts on there that they charged off and I have no idea they just showed up out of the blue today. I called Capital One and they said they were two accounts that were closed in 1998 and 1993.
The one from 1998 was an issue I had with my ex-husband who opened a card in my name while we were getting divorced. I had settled that one. I didn’t even know about it until after it was charged off, but I did settle it years ago. And the one from 93 I can’t even tell you what happened back then, but that was also settled.
And when I say settled – I called Capital One this morning, they told me they were paid and settled back in the 90s. Why are they all of a sudden just showing up on my app? Capital One said sometimes they just purchase other businesses and it just shows up. He couldn’t tell me the original creditor, couldn’t tell me anything about these accounts except the date settled. He said they’re on my account now and there’s no way of getting them off.
Does that mean these are going to reappear on my credit report too? I really don’t understand why something that was paid off in the 90s is showing up 27 years later and there’s just nothing I can do about it at all? Seems fishy.
How can I have a credit card show up on my Capital One app that was paid off in 1998?
byu/Dawn_FM_ inCreditCards
Posted by Dawn_FM_
1 Comment
Wait that makes zero sense – settled accounts from the 90s just randomly appearing in your app because they “purchased other businesses”? That rep either had no clue what they were talking about or was feeding you complete BS
I work in IT and deal with data migrations all the time. When companies acquire other businesses the old settled accounts dont just magically reappear in customer portals 25+ years later. That would be massive data management failure. Those records should be archived or purged by now
You need to escalate this immediately. Ask to speak with a supervisor and demand they explain exactly which company they acquired and why these ancient settled debts are suddenly active in their system. Get everything in writing. This screams like either a major system error or someone is trying to pull something shady
Also document everything and maybe check your credit reports to see if anything weird showed up there too