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My question is Were to get help when we are behind 3 Lending Tree mortgage payments? Hoping for any comment. Another question... About 3 or 4 weeks ago I had some woman claiming to be from cap1 calling me, saying she wanted to verify personal info. I told her I wasn't going to discuss any of my info over the phone because of identity theft and all that. I told her none of my info had changed and hung up on her..

Next thing I know, the next day some other guy was leaving a message on my answering machine saying he was from cap1 and I needed to call him blah, blah, blah....this is on a sunday also..

Later on that day when I'm home the guy calls again (my guess is that he was the girl's supervisor) Again starts asking me questions such as where do I work, etc. At this point I got really irate with the guy, told him I was getting ready to send them $1000 (which I was) and eventually hung up him. I haven't heard from them since..

It doesn't make sense to me why they would call me like this and harass me about this. I have excellent credit. Here's my theory though:.

When I originally got my cap1 card it only had a $2000 limit. After having it for about a year I decided I wanted to cancel it, got sent to retention and was offered a CL inc. to $5000 and my apr lowered down to 9.9% from 10.9%. So I accepted it. I still didn't have a balance for a long time on it until recently when they offered 2.9% for 6 months.I put about $2700 on it and started paying it off very quick $500 the first month and $1000 the next. For some reason I think caused some type of red flag to go up in their system which caused them to call me.

I just wonder if anybody on here knows if it's legal what they tried to do to me and if anything like this has happened to anyone else...

asked Mar 02 at 21:57

Adam's gravatar image

Adam
44


I would like to know the answer too. Anyone here know what is the answer to your question. I'll do some research in Google and get back to you if I discover an decent answer. You should email the people at Lending Tree as they probably can help you..

answered Mar 02 at 22:38

Kaylee
's gravatar image

Kaylee
1026

I think you might just be paranoid. My fiance let his Discover card go dormant for about 2 years (he had actually cut up the card). Around Christmas time, he called up Discover, asked for a CL increase and they rushed him a new card. The first thing he charged was a $300 Playstation2, and got two calls the next day from Discover card (they left messages on our machine). When he called them back, he found out the reason for the message were security measures. They wanted to make sure that he was the one who received the card, activated it, and made a purchase on it. Maybe Cap1 is trying to do the same thing for you? Don't know but I wouldn't jump the gun being miffed at them until you know their express purpose for calling...

answered Mar 02 at 23:01

Daisy
's gravatar image

Daisy
392

Almost 3 years ago, I purchased a new 35mm camera on my Cap1 card... bought it from an internet camera store. I got a call from Cap1 asking if I had recently made a purchase from XYZ camera store. I assured them that I had and told them the amount. They were just making sure that I was the one making the purchase since it didn't fit my usual pattern..

I'm not sure why they would be asking for personal info, but it could be that something has triggered the questions. Maybe someone has applied for credit in your name, but with different address, etc.? I would agree with not giving personal info over the phone if they have called you, but I certainly would call them back and find out what's going on. It could be legit and if it isn't, they need to be alerted to that fact...

answered Mar 02 at 23:24

August's gravatar image

August
448

Call CAPITAL ONE and ask if they "REALLY" CALLED....

If anybody gets a simular call...tell them to put it in WRITING and mail it to you....

DON'T give PERSONAL INFO when somebody calls you!!!.

You can ask for a phone number and call from your CELL PHONE or a PAY PHONE.....

answered Mar 02 at 23:52

Stephanie
's gravatar image

Stephanie
3447

I would call CapOne and see if it was really them. There have been several occasions where I got calls from CapOne security - they left a message for me to call an 800 number.

From my home phone,.

And it was an automated system: stated the date and time of the purchase, and the name of the business, the amount, and said if I made that charge, press 1, if it was not me, press 2, or something like that...

answered Mar 03 at 01:23

Kate
's gravatar image

Kate
2746

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